It seems too good to be true that car insurance companies will give you an auto insurance discount on your vehicle insurance premiums for simply having certain safety features on your car –especially of the anti-theft kind.
Car insurance companies have to provide big auto insurance payouts for stolen cars, so having anti theft devices installed on your car can be a sign of good faith which is why they often cut vehicle insurance discounts on certain anti-theft devices or anti-theft systems.
Going into this post, there are some different types of anti-theft devices and varying car insurance discounts that come with them. If your auto insurance rates are high due to your zipcode’s crime rates, then anti-theft car insurance discounts can go a long way.
Anti Theft Device For Car Insurance Discount: How Does It Work?
Anti-theft auto insurance discounts are given on a fixed percentage that is deducted from your car insurance rates for specific vehicle insurance coverage. Because of this, there may be limitations to the kind of auto insurance that anti-thefts discounts will be applied to.
Anti-theft auto insurance discounts can go up to $26, so it’s not a monumental car insurance discount. But if you’re in a case where every little bit helps, then anti-theft auto insurance discounts can only be a benefit. The worst that can happen is that you don’t get the car insurance discount, and your car ends up with an anti-theft device that makes it several times more unlikely to be stolen by thieves.
What Are The Different Car Anti-Theft Devices?
You don’t have to be an automotive or security expert to understand the different types of anti-theft devices and the auto insurance discounts that come with them, respectively.
Anti-theft devices shouldn’t just be installed for the sake of car insurance discounts. You should look at anti-theft device installation and how each anti theft device can affect your car. While most anti-theft devices don’t harm the cars they are installed on; you don’t want to be stuck with unnecessary anti-theft equipment if you live in a low-theft area.
The following sections look at the different anti-theft devices and their auto insurance premium discount size.
Passive Alarm Anti Theft Auto Insurance Discount
Nowadays, all cars are fitted with passive car alarms, but specialized car alarms that can’t be disabled can be installed.
Passive car alarms are those that are active when you cut your car’s engine, lock your vehicle, then walk away. Auto insurance discounts for passive car alarms are larger than the vehicle insurance premium discount for car alarms that require activation.
Active Alarm Anti Theft Car Insurance Discount
An active car alarm is a cheaper anti-theft device than a passive auto alarm because an active alarm doesn’t require that great of technical integration. You are given a button that actively arms the auto alarm whenever you leave the car.
The car insurance discount, however, is smaller than a passive alarm one because you can forget to set the active car alarm since its activation depends on you.
Sound Only Alarm Anti Theft Auto Insurance Discount
The sound-only car alarm is another subcategory of anti-theft devices. While you choose between a passive car alarm or an active auto alarm, you’ll also need to choose what you want the car alarm to do once it’s activated.
One of the two options is a typical car alarm blare. It’s a mostly reliable car theft deterrent, but the auto insurance discounts are less than the alternative.
Engine Cut Alarm Anti Theft Car Insurance Discount
Of course, the most effective way of making your car uneasy to steal is to make it not work for thieves with vehicle alarms that cut the car engine off after a break-in is detected. There may also be an accompanying auto alarm with some devices.
Auto Insurance discounts for an engine-cutting auto alarm are greater than simple blaring car alarms.
GPS Tracking System Anti Theft Auto Insurance Discount
While it doesn’t necessarily deter theft, a GPS tracking, and recovery system in your car can easily locate it after it has been stolen.
The GPS tracking system anti-theft discount is one of the largest anti-theft auto insurance discounts you can get from a car insurance provider.
GPS tracking devices and recovery systems are usually subscription-based.
How Much Can These Anti-Theft Discounts Save You on Auto Insurance?
As previously mentioned, the maximum an anti-theft device car insurance discount can provide is around $26. That averages to around 15% to 20% off. It’s different for each vehicle insurance provider and anti-theft device and anti-theft system.
The most common type of car insurance that anti-theft devices attribute their auto insurance discounts to is comprehensive car insurance. So, the question is up for debate as to whether drivers with basic liability car insurance only will get an anti-theft discount on their auto insurance premiums.
Are Car Alarms That Come Standard Any Good?
The good news is that car insurance providers may take the vehicle alarm your car comes with into account when underwriting your auto insurance premiums.
It isn’t uncommon for drivers to have their car alarms swapped out for aftermarket car alarms that qualify for anti-theft auto insurance discounts all the same.
Again, 99% of car insurance providers give anti-theft auto insurance discounts. Inquire with your insurance agent today to see how much you qualify for.
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