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Prokop Team

How To Prevent Car Theft

Prokop Team · May 11, 2023 ·

How to prevent car theft? According to estimates from the National Insurance Crime Bureau, there were more than 745,000 motor vehicle thefts in the first nine months of 2022 in the U.S. [1] [2] And when citizens are targeted in the most potentially dangerous of these crimes – carjacking – the attacker succeeds in roughly half of all attempts, according to the U.S. Department of Justice.

To find out how to prevent carjacking and car theft, read on.

1. Don’t leave valuables in your car

You don’t display your cash, financial statements, and jewelry in your home’s windows, do you? So why would you do the same in your car? Instead, hide any valuables, including purses, computer bags, and the ignition key. You’d be surprised how often people don’t.

According to the National Insurance Crime Bureau, between 2019 and 2022, more than 100,000 reported vehicle thefts were facilitated by keys, including situations where keys were left inside the vehicle. [3] One-fourth left a purse or wallet inside, and one-third have left bank statements. In addition, one-third say they’ve kept their vehicle running while unoccupied.

2. Park in a well-lit area

Not everyone has a garage. But many have the option of parking on a well-lit street – another deterrent for crooks. Also, etch the vehicle identification number on windows to discourage thieves from stealing the vehicle and selling it to a chop shop.

3. Lock your vehicle doors

The minute you step into an automobile, you’re vulnerable. So lock up right away, before starting the ignition or setting up your music, GPS, etc. (Buckling up is the second “to do.”)

4. Don’t leave your keys in the car

“It’ll just be for a second, I’m only running into the store for a couple things.”

Unfortunately, “a second” is all a thief will need if you leave the keys in the car for them. So always take your keys with you no matter where or how briefly you’ll be out of your vehicle. It sounds obvious, but this is one of the most important ways to prevent car theft.

5. Stay alert

Staying alert is the best example of how to prevent carjacking. When stopped or slowing down, you increase the opportunity for a carjacker. So at traffic lights, exercise caution. “When stopped in traffic, leave enough space to move forward,” says Brent O’Bryan, vice president of learning and development for AlliedBarton Security Services, a physical security firm. [4]

6. Know where you’re going

Just as you want to stay in well-lit areas while parking, you don’t want to “hide” in the darkness while driving. “Don’t head into remote or unfamiliar areas,” O’Bryan says. “If you feel like you’re being followed, don’t drive home. Don’t park next to a vehicle such as a van which could be hiding a suspect.” [4]

7. Install an anti-theft system

If someone tries to break into your car, you’ll want to make it apparent to anyone in earshot that this has occurred. Anti-theft systems emit loud alarms when they detect forced entry into your vehicle, alerting anyone nearby and potentially scaring the would-be thief from sticking around. You can also install a GPS tracking system that will show the location of your vehicle if the thief successfully makes off with it.

Having an anti-theft device in your vehicle may earn you a discount on your car insurance.

8. Stay cool during a crisis

Even if you take every precaution, you could still get involved in a carjacking. If so, your and your passengers’ safety remains the top priority. Stay calm – if you panic, it’s more likely a criminal will too. “Never argue; give up your car,” O’Bryan says. “Get away from the area as quickly as possible. Note the suspect’s appearance, and immediately report it to the police.” [4]

Most commonly stolen cars

You might expect thieves to go for the glitziest, most expensive-looking cars they can find, but the trouble with those vehicles is that they stand out in a crowd. No car thief wants to be seen after they make their getaway, so the most commonly stolen cars are some of the most widely owned models. Ford F-series pickup trucks and Honda Civics have been US frequently targeted for this precise reason. In 2021, cars like Civics were also popular because they share parts with other Hondas, making them valuable for stripping and selling. [5]

More recently, in a 2022 HLDI study, 2019-2021 models of Dodge Chargers topped the charts for most stolen vehicles. [6]

What cars are targeted for catalytic converter theft?

Certain vehicles are also being singled out to steal their catalytic converters. Hybrid cars like the Toyota Prius use expensive metals to construct their catalytic converters, making them prime targets. [7] Thieves will steal the catalytic converter and sell it for the value of its metal.

Does insurance cover car theft?

So, you took all the precautions, but someone managed to make off with your car anyway. Are you covered? It depends on your policy. Comprehensive policies will typically cover theft. However, policies like liability insurance do not.

Contact us for a FREE review of your insurance, quotes and learn more about what your car insurance will cover in the event of car theft.

27 Spring Cleaning Tips

Prokop Team · May 3, 2023 ·

These are Prokop Insurance best 27 Spring Cleaning Tips for your house, car, and life.

These are Prokop Insurance best 27 Spring Cleaning Tips for your house, car, and life. We know any cleaning can be a daunting task, but with a little planning and these 27 tips, you can tackle every nook and cranny. From decluttering to deep cleaning appliances to organizing paperwork and cleaning outdoor furniture, these tips will help you create a clean and comfortable space to enjoy all spring and summer long. So, roll up your sleeves, grab your cleaning supplies, and let’s get started!

  1. Declutter: Get rid of anything you don’t need or haven’t used in the past year.
  2. Create a cleaning schedule: Plan out what needs to be done and when.
  3. Start with the big stuff: Clean the larger items first, such as furniture and appliances.
  4. Dust everything: Get rid of dust and cobwebs from corners, ceilings, and walls.
  5. Wash windows: Clean the glass and frames, and don’t forget the sills and tracks.
  6. Clean curtains and blinds: Dust or wash your curtains and blinds to remove accumulated dirt.
  7. Scrub floors and carpets: Give your floors a good scrub or steam clean, and shampoo carpets.
  8. Clean upholstery: Vacuum and spot clean your furniture.
  9. Tackle the kitchen: Clean the fridge, oven, microwave, and cabinets.
  10. Clean the bathroom: Scrub the toilet, sink, shower, and tub.
  11. Wash bedding: Wash and replace your bedding, including sheets, pillows, blankets, and duvets.
  12. Clean out the closet: Declutter your closet and organize your clothes and accessories.
  13. Deep clean appliances: Clean your dishwasher, washing machine, and dryer.
  14. Clean the garage: Get rid of any clutter and organize your tools and equipment.
  15. Polish metal fixtures: Clean and polish your faucets, doorknobs, and other metal fixtures.
  16. Clean light fixtures: Dust and clean your light fixtures and replace any burned-out bulbs.
  17. Check smoke detectors: Test your smoke detectors and replace batteries if necessary.
  18. Clean air vents: Vacuum or dust your air vents and replace filters if necessary.
  19. Clean the chimney: Have your chimney professionally cleaned if you have a wood-burning fireplace.
  20. Clean outdoor furniture: Clean your patio furniture and prepare it for outdoor use.
  21. Clean the grill: Scrub your barbecue grill and prepare it for summer cookouts.
  22. Clean the yard: Rake leaves, trim bushes, and remove any debris or clutter from your yard.
  23. Organize your paperwork: Sort through your paperwork and organize important documents.
  24. Clean your car: Give your car a thorough cleaning, both inside and out.
  25. Clean your pets’ areas: Scrub your pets’ beds, toys, and food and water bowls.
  26. Donate unwanted items: Donate any unwanted items to a local charity.
  27. Celebrate: Once you’re finished, enjoy the fresh, clean feeling of your home and treat yourself for a job well done!

Make Spring a time of renewal and rejuvenation by giving your home, budget, and life a good deep clean to feel fresh and new again. If we can help with your auto, home, life, and any other insurance part of your life please contact us for a free consultation.

Cruising into Spring: Insure Your Car Collection

Prokop Team · April 4, 2023 · Leave a Comment

Cruising into Spring: Insure Your Car Collection with Prokop Insurance. Now is the time when Minnesota car enthusiasts take their beloved vehicles out of storage and get out and drive. As a car enthusiast, ensuring your vehicle is protected with the right insurance coverage is essential. Prokop Insurance insures classic cars, muscle cars, restomod cars, lowriders, race cars, custom cars, hot rods, microcars, and exotic cars.

As a local Twin Cities insurance agency, we provide coverage for a wide range of classic cars, including iconic models like the Ford Mustang, Chevrolet Corvette, Pontiac, Chevrolet Camaro, Chevy Bel Air, Ford Thunderbird, and Plymouth Barracuda. Our experienced agents understand that classic car owners have unique needs when it comes to insurance coverage, and we’re here to help you get the protection you need for your prized possession.

Our specialized coverage includes agreed value coverage, which ensures that you’ll receive the full insured value of your car in the event of a total loss. Hagerty Insurance, a trusted name in the classic car insurance industry, typically underwrites our insurance policies.

At Prokop Insurance, we work with Hagerty Insurance, a trusted name in the classic car insurance industry. With Hagerty, you can rest assured that you’re getting the coverage you need from a company that understands and appreciates classic cars.

We understand that owning a classic car is more than just a hobby; it’s a passion and a lifestyle. That’s why we offer personalized service and coverage that meets the unique needs of classic car owners. Our coverage lets you enjoy peace of mind knowing that your investment is protected against damage, theft, and other risks.

In addition to our classic car insurance, we offer a wide range of other insurance products to meet your needs, including home insurance, auto insurance, and business insurance. As a local agency, we take pride in our personalized service and our commitment to helping our clients find the right insurance coverage at a price that fits their budget.

Contact us today to insure your car collection and learn more about our coverage options and get a quote for your vehicle. We look forward to helping you protect your investment and enjoy your car for as long as you own it.

Pet Insurance is a Smart Investment for Every Pet Owner

Prokop Team · March 25, 2023 · Leave a Comment

Pet Insurance is a Smart Investment for Every Pet Owner

Pet Insurance is a Smart Investment for Every Pet Owner. We often get asked about the different types of pet insurance policies available for dogs, cats, and other pets. Prokop Insurance offers pet insurance for anyone in Minnesota, but see the majority of interest in Plymouth, Wayzata, Minnetonka, Maple Grove, New Hope, Crystal, Brooklyn Park, and Minneapolis.

Pet insurance policies provide coverage for a range of medical expenses related to your pet’s health, including accidents, illnesses, and routine care such as vaccinations and check-ups. This means that if your pet gets sick or injured, you can rest assured that you’ll be able to provide them with the best medical care without worrying about the cost.

At Prokop Insurance, we offer a variety of pet insurance policies to fit every budget and need. Our policies are designed with pet owners in mind, and we strive to provide the best coverage at the most affordable rates. We offer pet insurance policies for dogs and cats that cover various medical expenses, including routine care, emergency visits, and surgeries. Policies add-ons can also cover everything from accidents, illnesses, dental coverage, and wellness plans.

Clients that have purchased and used pet insurance told us it was a wise investment for pet owners who want to care for their furry friend health and well-being. So, whether you’re a dog owner, cat owner, or both, investing in pet insurance is a smart decision to keep your furry friends healthy and happy.

We also offer pet insurance quotes to help you determine which policy is best for you and your pet. Our team of experienced agents is dedicated to providing you with the best coverage at the most affordable rates. Contact us today to learn more about our pet insurance policies and get a quote.

Interested the data of Pet Insurance? Check out the Top Pet Insurance Facts and Statistics of 2022,

Term vs. Permanent Life Insurance

Prokop Team · March 16, 2023 ·

Term vs. Permanent Life Insurance

Term vs. Permanent Life Insurance. According to industry experts, most people don’t have enough life insurance. LIMRA, which keeps close tabs on the industry, recently reported that average coverage equals $163,000, which is equivalent to approximately 3.5 years in terms of income replacement (with the average income being $46,800 in 2019, according to the Bureau of Labor Statistics). That’s only half the recommended 7-year threshold.1,2,3

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Prokop Insurance Services
Email: service@prokopinsurance.com
Phone: 763-537-4311
3155 Empire Lane North Suite 200
Plymouth, MN 55447

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