Anti-Theft Devices: Auto Insurance Discounts And Your Options

Installing an anti-theft device in your car can help lower your insurance premium. There are two types of anti-theft devices: passive and active. Passive devices, such as transponder keys, alarms, and automatic locking doors, work automatically, while active devices, such as steering wheel locks and brake locks, require manual activation. Many insurance companies offer discounts to policyholders with anti-theft devices because it helps them save on coverage costs. The discount amount varies depending on the insurance company and the type of anti-theft device. In some cases, insurance companies may require proof of installation or restrict the discount to specific devices. It's important to note that anti-theft devices not only help reduce insurance rates but also provide added protection against vehicle theft.

Passive anti-theft devices

Passive disabling devices are a type of passive anti-theft device that uses a cut-off system to protect your car without requiring any action from the driver. For example, smart chip keys arm the system when you walk away or activate after the car has been locked for a certain period of time.

Active anti-theft devices

Steering Wheel Locks

Steering wheel locks are one of the most effective anti-theft devices on the market. They lock the steering wheel in place, making it difficult for robbers to drive the car. They are easy to install and remove, and they offer a visual deterrent to potential thieves. The cheapest options start at around $20, while more expensive options with additional features can cost upwards of $100.

Brake Locks

Brake locks clamp onto the brake pedal or steering wheel, immobilizing the brake and preventing the car from being driven away. They are a straightforward and reliable security measure, typically costing around $50.

Kill Switches

Kill switches cut off the electricity flow to essential components, such as the ignition switch, rendering the vehicle inoperable. They can be installed by the driver or a professional technician, and they provide robust protection against unauthorized access. The average hidden kill switch costs around $10.

Tire Clamps

Tire clamps lock onto the tire, preventing it from rotating and making the vehicle inoperable. They are designed to be bright and conspicuous, clearly signalling to potential thieves that the vehicle is protected. Most tire clamps cost between $30 and $70.

Remote Locks

Remote locks allow vehicle owners to lock and unlock their cars from a distance using a remote key fob or a smartphone app. They add an extra layer of security and are highly secure, making it difficult for thieves to unlock the car. Basic remote locks typically cost around $200.

Battery Disconnect Switch

A battery disconnect switch is a cost-efficient solution that prevents vehicle theft by cutting off the power supply. It is easy to use and provides quick and effective protection against unauthorized access.

Manual disabling devices

Steering Wheel Lock

A steering wheel lock is a common manual disabling device. It immobilizes the steering wheel, making it difficult for thieves to drive the car. This device is standard in new cars and can be purchased separately for older vehicles. It is a highly effective deterrent, as even if a thief manages to start the car, they won't be able to steer it.

Brake Lock

A brake lock is another type of manual disabling device. It is attached to the brake pedal or steering wheel, preventing the brake from being pressed down. This device ensures that thieves cannot drive away with the car as the brake remains locked. Brake locks are affordable, typically costing around $50.

Kill Switch

A kill switch is a device that requires installation, either professionally or by the vehicle owner. It disables all electricity in the car, rendering it immobile until reactivated by the owner. This device is an effective way to prevent theft, as it completely disables the vehicle's systems.

Other Manual Disabling Devices

Other types of manual disabling devices include wheel clamps and smart keys. Wheel clamps lock the vehicle's tires, preventing them from turning. Smart keys use advanced technology, such as encryption and rolling codes, to communicate with the vehicle, making it difficult for thieves to intercept the signal.

Benefits of Manual Disabling Devices

Comparison with Other Anti-Theft Systems

Automatic disabling devices

Installing anti-theft devices in your vehicle is a great way to prevent car theft and can also help lower your insurance premiums. There are several types of anti-theft devices available, including automatic disabling devices, also known as passive devices. These devices work without any manual intervention from the driver and are often installed in new cars as standard. Here are some of the most common automatic disabling devices:

• Transponder keys: Transponder keys must be in the vehicle for it to be driven. Without them, cars cannot be hot-wired, and thieves cannot break the ignition lock. Transponder keys provide a higher level of security and have been found to significantly reduce car theft.
• Audible alarms: Most cars are equipped with audible alarm systems that activate when unwarranted touch is detected. While alarms are sensitive and can be triggered easily, they can still deter thieves by attracting attention.
• Smart keys: Smart keys enhance security with keyless entry and ignition. They communicate with your car's computer to ensure only authorized users can access it. Smart keys send a different signal to the vehicle's antenna each time, making it challenging for thieves to crack the lock mechanism.
• Dash cams: Dash cams provide continuous surveillance and can record when motion or impact is detected, even when the vehicle is parked. This helps deter potential thieves and capture vital evidence in the event of theft.
• Vehicle-tilt and glass break sensors: These sensors detect movement and broken glass, triggering alarms to deter thieves and providing immediate alerts. They are easily integrated into existing systems and offer enhanced security for your vehicle.

It's important to note that not all anti-theft devices are created equal, and some may be more effective than others in preventing car theft. Additionally, the availability and amount of insurance discounts may vary depending on the state and insurance company. Be sure to check with your insurance provider to understand their specific requirements and discounts offered for installing automatic disabling devices.

Remote disabling devices

One of the most prominent features of remote disabling devices is their ability to prevent unauthorised access. By utilising electronic locks controlled by signals from the key fob or other authorised devices, these systems ensure that only those with the correct credentials can access the vehicle. This not only deters potential thieves but also provides peace of mind for car owners.

Another advantage of remote disabling devices is their integration with modern technology. Many of these systems can be connected to smartphones, enabling features such as deceleration, downshifting, and locking the brakes remotely. This level of control gives car owners the power to protect their vehicles even when they are not physically present.

It is worth noting that remote disabling devices are often more expensive than other anti-theft options and are more commonly used in commercial vehicles than personal cars. However, their effectiveness in preventing theft and the added convenience they offer make them a popular choice for those seeking robust security measures.

When considering remote disabling devices, it is important to consult with professionals and refer to the vehicle's user manual. While these systems offer enhanced security, they should be used responsibly and ethically, in compliance with relevant laws and regulations. Additionally, regular maintenance and proper usage are crucial to minimising false alarms triggered by factors such as environmental conditions or user errors.

Frequently asked questions