You planning on stowing "cocked & locked" ??? Loaded ??? Common sense suggests that possession of a firearm means just that -- possession and control. You don't have that with the gun stowed in the vehicle.
Of course when you leave your firearm in your vehicle, you don't have possesion and control of it. Duh...
Here are some specific examples when you may have to leave your firearm in your vehicle (daily).
- You have to go to or work in a prohibited place e.g. government building, hospital, etc and must leave your firearm in your car. In my case, I work in a hospital that by law, I cannot bring my ccw with me. So it has to be stored in my vehicle for my 12hr shift.
- You leave a backup gun in your car while you carry your primary ccw on your daily routine. Backup gun can be a pistol, or if a rifle, cannot be taken with you lawfully i.e. cannot open/conceal carry a long gun.
Also, your firearm should always be ready for use in case you need to defend your life. That means cocked-n-locked (of course you can choose to carry with empty chamber; I don't). I always store my pistol in the car this way, just as you would carry it on-body. Having to chamber a round after retrieving your pistol from a car-safe or glove box takes extra time.
Not a good idea no matter where you live. Most people I know who had a gun stolen was from out of their vehicle.
Criminals are known to travel out of their area to target cars to break into. Happened in my area a while a ago 3 criminals making their way up the coast hitting cars as they traveled.
My neighborhood is pretty quite yet we have rashes of kids or people targeting cars once in a while
You can't throw a blanket statement on everyone.
I've lived the last 4years in a suburban community and feel pretty safe in my area. The last 3 out of 4 years, I lived in a community that had 3 cops on my block (each of them parked their police cars on the street). My vehicles were also parked inside my garage, although some nights I may leave it outside.
My current neighborhood is a fully gated neighborhood with a guard, which makes it a limited entry community.
Of course not everyone has similar living situations, but I purposely chose to live in such areas that I know have the least probability of theft/burglary. Anyone is free to do the same. But if you can't, then take whatever precautions you must, including not leaving a firearm in your vehicle.