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( — Each year, $1.255 billion in personal items and accessories are stolen from vehicles in about 1.85 million thefts; and for every theft, experts estimate, there are several break-ins and attempted break-ins.

Not surprisingly, the costs from break-ins can be significant. Owners can place an insurance claim for vehicle damages (shattered glass or a broken lock) as well as the replacement of a factory audio system if it’s been stolen, but only if comprehensive coverage is a part of the policy. Multiple claims for break-ins, in addition to the zip code where you park your car, can have a significant impact on your insurance policy.

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