Even if you have the immobilizer on your new car, if a potential thief thinks your car is one of the stealable ones, you may still end up with a broken window.
I have a 2022 Hyundai Tucson hybrid (which I love!) and your comment makes me wonder about another commenter's suggestion to get The Club. My car _has_ the immobilizer, but maybe adding a visual deterrent is a good idea.
Eh, a steering column and a busted window might be a couple thousand dollar loss, but it a fraction of the loss the insurance company would otherwise have.
Not even. Used columns are ~$150-300. New or used windows are less. There's a huge supply because these are popular cars. You're talking like a grand all in.
I am giving the above commenter the benefit of the doubt with my high estimate. There is also labor, administrative costs, and other consequential costs (e.g. rental car).
Why is that scary? Some insurers refuse to insure all vehicles in entire states. Some insurers refuse to insure expensive brands. Some won't insure you if you drive your car to work. Some don't insure cars.
Because I'm legally obligated to have insurance, so a car that is street-legal should be insurable. The premium may need to reflect that higher risk (and of course here is how insurers can play the game of "let's set premium to $2k a month" to make cars de facto uninsurable), but I should not be sent away.