The best advice I have read is to be aware of your surroundings and the people around you.
If you pull up to an ATM and it does not "feel" right, then move on and don't stop.
We have had a rash of people here being held up at gunpoint while waiting in line at an ATM or fast food.
I carry a G30 in my truck on the console. When I pick up treats for the ROs on Friday morning, I ALWAYS have that gun in my lap. If it is later in the day, after sunrise, I am not as concerned.
I really try to avoid problem areas but sometimes trouble will find you. You need to be prepared.