good question, jbug!!! what works for me is to be prepared and cautious so that fears do not control my life. in the world we live in today preparedness and caution can be a very good thing.
like having my car key in my hand as i am walking to my car at a mall. noticing my surroundings...is there anyone near me that may be suspicious? parking my car in a well lit area. leaving my outside light on at night when i do go out. the neighbors will have to endure casue u are doing a good safety thing. making sure i lock my car when i go into the mall. not being one of the last customers shopping...planning my trip accordingly. locking my car immediately once i am in it to leave the mall.
hope this helps to allieve your fears. it's all about being responsible for our own safety by doing some sensible things.