How to Minimize the Risk of a Car Break-In

August 6, 2019

See How We're Different

GET A QUOTE

or call us: 303-834-1001

Car theft is a common occurrence that impacts more than 750,000 drivers a year — that’s roughly one incident every 41 seconds. Want to secure your vehicle from being broken into or stolen? Here are a few ways to avoid problems, plus some guidance for what to do in the event of a loss.

Keeping Your Car Safe

By some estimates, more than half of vehicle break-ins are unknowingly enabled by car owners. If you know what conditions are most desirable for thieves, you can take the right steps to help secure your belongings.

Some general rules: 

  • Roll up and reinforce your windows.  This will help prevent reach-in or smash-and-grab burglaries. Adding a protective film can also make windows tougher to break.
  • Lock up when you leave.  Even if you’re just running into the convenience store for a cup of coffee, be sure to lock your doors. Most break-ins happen in a matter of seconds.
  • Park smart.  Stick to well-lit areas, monitored parking garages and low-crime neighborhoods.
  • Invest in an aftermarket car alarm.  Most factory alarms only sound when the doors are opened. By contrast, a motion or tilt-sensor alarm can tell you when the car is experiencing movement of any kind.
  • Take valuables with you and hide everything else.  Don’t leave your belongings in plain sight. Keep your keys and anything of value on your person and hide everything else in your glove compartment or trunk.

What to Do Post Break-In

If you’ve experienced a break-in, reach out right away. Also make sure to take pictures, file a police report and make an insurance claim. If any credit cards were stolen, cancel them immediately.

Some car burglaries are unavoidable, but with a little vigilance you can minimize your chances of having to deal with a break-in.

Article By:

John Jacquat

Founder & President

Recent Posts

What role does flood insurance play for condo associations, and when is it required?
November 4, 2025
Flood insurance protects Florida condo associations’ buildings and common areas. Required in high-risk zones or for government-backed mortgages.
The Risks of Underinsuring High-Traffic Bars and Nightclubs
November 4, 2025
High-traffic bars and nightclubs face serious risks from underinsurance. Ensure proper coverage for liability, cyber threats, liquor, and business interruptions.
Why Commercial Insurance Costs Are Rising for Colorado Businesses in 2024 into 2025
November 4, 2025
Colorado businesses face rising commercial insurance costs due to wildfires, inflation, and underinsurance. Learn strategies to manage 2024–2025 rates.
Is Your Restaurant Compliant with Colorado's Liquor Liability Laws? Key Updates for 2025
November 4, 2025
Stay compliant with Colorado’s 2025 liquor laws. Learn key licensing updates, responsible serving practices, and strategies to protect your restaurant.
OSHA Requirements Explained: What Colorado Construction Companies Must Know
November 4, 2025
Learn essential OSHA requirements for Colorado construction companies, from PPE and fall protection to electronic reporting and safety compliance.
Show More

Speak with us today!

We can help you with any of your insurance needs!

What role does flood insurance play for condo associations, and when is it required?
November 4, 2025
Flood insurance protects Florida condo associations’ buildings and common areas. Required in high-risk zones or for government-backed mortgages.
The Risks of Underinsuring High-Traffic Bars and Nightclubs
November 4, 2025
High-traffic bars and nightclubs face serious risks from underinsurance. Ensure proper coverage for liability, cyber threats, liquor, and business interruptions.
Why Commercial Insurance Costs Are Rising for Colorado Businesses in 2024 into 2025
November 4, 2025
Colorado businesses face rising commercial insurance costs due to wildfires, inflation, and underinsurance. Learn strategies to manage 2024–2025 rates.
Is Your Restaurant Compliant with Colorado's Liquor Liability Laws? Key Updates for 2025
November 4, 2025
Stay compliant with Colorado’s 2025 liquor laws. Learn key licensing updates, responsible serving practices, and strategies to protect your restaurant.
OSHA Requirements Explained: What Colorado Construction Companies Must Know
November 4, 2025
Learn essential OSHA requirements for Colorado construction companies, from PPE and fall protection to electronic reporting and safety compliance.
The Difference Between Dwelling Fire Insurance and Landlord Insurance
July 18, 2025
Dwelling fire vs. landlord insurance: Learn key differences to protect rental properties from damage, liability, and lost rental income effectively.
Vacant Property Insurance: What to Know Between Tenants
July 18, 2025
Vacant property insurance fills the coverage gap between tenants, protecting against vandalism, fire, and water damage when standard policies fall short.
The Real Cost of Underinsuring a Multi-Family Property in Colorado
July 18, 2025
Underinsuring a multi-family property in Colorado can lead to major financial losses. Learn the risks and how to protect your investment properly.
Common Exclusions in Multi-Unit Habitational Insurance Policies
July 18, 2025
Learn the common exclusions in multi-unit habitational insurance and how property owners can manage risks through endorsements and smart planning.
Umbrella Insurance for Landlords: When Is It Worth It?
June 12, 2025
Contractor Insurance Pros: Landlords, is umbrella insurance worth it? Learn when this extra liability coverage protects your assets from big claims.