0.01% per day is not 3.65% per year. It's close, but that's not the correct way to combine probabilities. (If it were, flipping a coin twice would be
guaranteed to produce a head because 50% + 50% = 100%)
For calculating probabilities, it's much easier to work in fractions than percentages, so I'll convert 0.01% to 0.0001 and equivalent for other percentages for the remainder of this comment.
If every day of the year, 0.01% of cars are broken into, the probably of being broken into is 0.0001 and the probably of being safe is 0.9999. To calculate the odds for a year, you need to take the being safe probability to the 365th power (0.9999^365). That gives 0.9642. This is the probability of being safe from break-ins for a year. You can subtract from 1 for the annual odds of being broken into: 0.0358.
0.01% per day is 3.58% per year. Also can continue to get longer term odds. Break-in chance is 30% over 10 years. At 19 years, it's 50/50 whether you'll be broken into. At this term, you get a big deviation from the incorrect calculation, which would give 0.01 * 19 * 365 = 69.35% chance of break-in over 19 years.
Of course, this ignores the uneven distribution of break-ins, etc., etc.
