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I have 3 samsara AG46 units. They ping 2x a day a location, or more if I request it or set it as so. Runs on 4 AA batteries for 3yrs. Cost $125 a year for all 3 units together.

If it runs and drives and was in this neck of the woods then you would find it in a mud hole somewhere. Out there, probably the desert, maybe the mountains around Payson

They aren't responsible for items located in the vehicle generally. But if it's snatched off their lot their insurance is involved period and they are liable usually they will pay the deductible on a comprehensive claim but since it had no insurance they should be on the hook for it all.