Being parked infront of my house, with the autolock, viper system/2-way pager and me monitoring the car while i'm in my room it probably will have a higher % of preventative theft. Just stating "full coverage" doesn't make your car safe from thieves.

I'd say my chances are higher with it than without it. I'm not going to rely on "full coverage" to keep my car safe. If I want it safe then i'm going to have to do my best to keep it safe. Just because I "full coverage" doesn't mean I wouldn't care if my car gets stolen. I wouldn't want the insurance's money in trade for my car. I'd rather keep it, and furthermore not everyone can afford "full coverage" h: