TN Auto Insurance-Lowering the Risk of TN Auto Theft
Higher Theft Risk Autos in TN Will Probably Be Charged a Higher Insurance Premium. Certain Steps Can Be Taken To Lower the Risk and Reduce TN Insurance Rates.
If your vehicle has been stolen, the important thing to do is
TAKE ACTION . . .
Contact your local police department immediately.
When you contact the police, make sure you have the following information:
Year, Make, Model and color of your vehicle.
Your license plate number.
Vehicle Identification Number (VIN) - make sure you have all VIN numbers on file.
Approximate time the vehicle was stolen.
Location where the vehicle was parked.
Names of any witnesses.
Things you can do to prevent auto theft . . .
The NICB (National Insurance Crime Bureau) encourages everyone to follow its "layered approach" to auto theft protection by employing simple, low-cost suggestions to make your vehicle less attractive to thieves.
Common Sense
An unlocked vehicle with the key in the ignition is an open invitation to any thief, regardless of which anti-theft device you may have. Always lock your vehicle even if you are only parked for a short period of time.
Visible or Audible Devices
Having a visible or audible device that alerts thieves that your vehicle is protected is another good way to ensure that your vehicle remains where you left it.
Popular second layer devices include:
Audible alarms
Steering column collars
Steering wheel/Brake pedal lock
Brake locks
Wheel locks
Tire locks/Tire deflators
Theft deterrent decals
Identification markers in or on vehicle
Window etching
Laminated glass
Immobilizing Device
Another good method is having a device that prevents thieves from by-passing your ignition and hot-wiring your vehicle. Some of these electronic gadgets have computer chips in the ignition keys. Others inhibit the flow of electricity or fuel to the engine until a hidden button or switch is activated. Recommended devices include:
Smart Keys
Fuse Cut-offs
Kill Switches
Starter, ignition and fuel disablers
Tracking Device
The most effective safeguard against car thieves is the vehicle tracking device. A tracking system emits a signal to your local police station or monitoring station once the vehicle has been reported stolen. Tracking devices, such as OnStar, are very effective in helping authorities recover stolen vehicles.
Many insurance companies offer significant discounts for automatic anti-theft devices. Also, vehicles which have a high theft risk will be charged a higher auto insurance rate.
So the steps you take to protect your vehicle from theft will have an impact on your auto insurance premium.
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Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee. The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and auto and home insurance in the entire state of Tennessee.
