Now that the cops in the US and Canada have license plate recognition software that instantly identifies stolen cars http://justacarguy.blogspot.com/2011/03/automatic-license-plate-recognition.html
And now that LoJack has a 90% return success rate http://www.lojack.com/why/pages/theft-facts.aspx plus the chop shops and car theft organizations shut down because LoJack claims to have led cops to the stolen cars... well, good.
So with all this focus and recovery on stolen cars, car insurance payouts would logically be less, and if they pay out less, they would logically be charging us less. But they aren't