I don’t know if you were asking me, but on the two that apply:
How much is car insurance? I don’t know, my “boss” takes care of that. I know the deductible is more than the cost to replace a window.
Do I lock doors at night? Not my car doors. I will say that I do lock them if I have something valuable in the car. My rule is, if it’s more valuable than the window, I’ll lock my door. But I just tend not to have anything that valuable in the car. “Driver carries no cash - he’s married.”
I did an interesting experiment one time (or one period of time). Wife had a laptop that died. We took out the hard drive, and I left the dead laptop in my back seat in the open, with doors unlocked. I drove around like that for almost two years, never lost the laptop. I was surprised. Was it luck, who knows?
I tend to drive cars that are 5 - 15 years old, nothing flashy, usually in need of a wash. Maybe my car just wasn’t an attractive target.
There’s no “neighborhood security” or gated community or anything. I’m not far off of Yellowstone, between Third Ward and Sunnyside. I’ve used the laptop experience many times to explain to people that I don’t live in an apocalyptic war zone.
Or maybe it’s just that thieves go where the money is. And I ain’t got none. I’m wealthy in other ways… Good looks, witty, charming, honest to a fault.