The cost of an auto insurance policy varies from provider to provider. Some insurance companies offer some discounts to keep their car insurance rates more competitive than others. While a good driving record, taking a defensive driving course, and paying higher deductibles can get you some discounts, a car alarm can help you save money on your auto insurance. Do you know how? Read more to find out.
On average, you can save up to 2-10% from your premiums (10-15 dollars a year) for having a car alarm. However, the discount percentage varies between insurers, with some providers offering steep discounts and others providing no discounts.
You will only qualify for a discount if you have comprehensive coverage in your auto insurance policy because it protects your vehicle from theft and vandalism. Therefore, having a car alarm will reduce the probability of vehicle theft and break-ins, helping you qualify for discounts.
While most car alarms use a similar system, they work differently (depending on the sensors used) to deter theft. A car alarm consists of multiple sensors, a computer, a loudspeaker, and a receiver. The alarm turns on when your car is locked and will ring when a sensor receives a specific response. Most car alarms use door sensors, which will be activated when an intruder opens your vehicle 's door, preventing them from stealing your vehicle.
Some car alarms have impact or shock sensors, which will ring when someone breaks your windshield to steal your stuff. You can also find some other advanced sensors in the latest cars, such as a proximity sensor (activated when someone is coming near your vehicle), a microphone sensor (detects break-ins or loud noise around your vehicle), and a tilt sensor (rings if anyone tries to tow your car).
| Discount Types | When Will You Qualify |
|---|---|
| Passive alarm discount | if your car has a passive alarm |
| Remote shutdown or engine disabling system discount | Francisco Chang |
| Sound-Only discount | if your car alarm uses sound to deter thieves |
| Tracking or recovery system discount | if your car has remote tracking features |
Contact us today at Kneller Insurance Agency to get an all-inclusive car insurance policy at an affordable rate. We will personalize your auto insurance policy according to your possible risk exposures and specific requirements, ensuring that you are covered at every turn.
