Anti-theft Devices Can Lower Auto Insurance Rates
Installing security devices in your car may not only deter thieves from stealing your set of wheels, but they may also reduce your insurance premiums. In many states, insurers offer motorists a discount on their comprehensive coverage for equipping their vehicles with anti-theft devices. And in some states, insurers are required to give policyholders a discount. Ask about anti-theft discounts, when you apply for auto insurance quotes.
With the savings you get on your insurance premiums, you can offset the cost of investing in anti-theft and tracking devices. You usually get a discount of 15 to 20 percent for installing a passive device, which is automatically activated when you lock your vehicle, according to the Insurance Information Institute. In Massachusetts, drivers are eligible for a minimum 25 percent discount if they install an anti-theft device and an auto recovery system, such as the popular LoJack. In addition, having several devices can result in a discount as high as 36 percent. Check your state’s policies on anti-theft devices, before you apply for auto insurance quotes.
Many new cars are equipped with alarm systems. However, these devices may not be effective in preventing more sophisticated thieves from stealing your car. If you want to install a security system, hire reputable professionals. Many newer vehicles have complex electronics that can be damaged, if the anti-theft device is not properly installed. Other devices include steering wheel locks, tire locks and kill switches. Taking the time to deter thieves from stealing your car, may prevent you from filing a claim later on.
Electronic tracking devices use a hidden transmitter to let police to track the vehicle. LoJack, one of the more popular tracking devices, operates in 26 states and the District of Columbia. These tracking devices not only help police find individual stolen vehicles, but may also lead them to chop shops and exporters of stolen vehicles. Some insurers offer their policyholders a LoJack tracking system at a discounted price along with premium discounts, according to the Insurance Information Institute. Ask about discounts for tracking devices, when you apply for auto insurance quotes.
Of course, you can also take precautions to prevent car theft. Park in secure, well lighted areas. Always lock your doors. Don’t leave expensive items or shopping bags in your car. And don’t leave your windows open. Even leaving your windows open slightly can give thieves an opportunity to break into your car.
When you are ready to buy a new car policy, you can call agents in your local area, contact insurance companies directly or use InsuranceQuotes.com to instantly get competitive auto insurance quotes from the nation’s leading insurance providers. Simply fill out a simple online form on InsuranceQuotes.com to find the right insurance coverage at the best possible price. Take the time to protect you and your family today.