Worst case scenario I have insurance, but I'm comfortable believing that the people who might break into my car to steal stuff probably aren't going to steal the car. The vast majority of break ins are "smash and grab", which are quick and relatively low risk. Stealing the car is a significantly increase in risk and potential penalty. Of course there's a lot to be said for putting the key in a place that's less than obvious. My full-size van has several spots that nobody will rummage through quickly, and one that is unlikely to be found without a thorough search. I routinely leave my wallet and chipped key there. The minivan doesn't have the same hiding options, but there are still places that are much less obvious than a glove box or center console.