In my experience in Miami, most people ignore car alarms going off, same here in Central FL. If you're a deep sleeper, or too far away, you're not going to hear it going off either(a potential thief just has to pop the hood and pull wires on the battery to stop it, and that can be done quick, too). The immobilizer system so far is the only one I'm noticing the thieves around here are leaving alone - we have a lot of cars around here being stolen and taken down to Tampa to the chop shops right now. In my experience, the aftermarket ones are far more trouble than they're worth. Other insurance carriers do have the car replacement policies, you can shop around to find a carrier and policy with one instead of sticking with the carrier you're with. Go with an agent to shop around since you'll save more, and it really does pay to shop around, especially after being with one carrier for a while. Just be smart, don't leave stuff in your car, like your wallet or electronics, that would make someone want to break into your car.