Antitheft Devices: What Car Insurers Reward

An anti-theft device is a gadget that uses automatic or manual techniques to help keep your car secure from theft. These devices use various technologies to achieve this purpose, from locks to alarms and more. They limit the possibility of your car getting stolen by enhancing the security system of the vehicle.

There are two main types of anti-theft devices: passive and active. Active devices need to be manually activated, such as a door lock, steering wheel lock, or alarm system. Passive systems will monitor your vehicle 24/7, such as GPS programs.

Anti-theft devices can lower insurance premiums as they reduce the likelihood of theft. Many insurance companies grant discounts to policyholders whose vehicles contain anti-theft devices because it helps insurers save money on coverage costs.

Manual disabling devices

Steering wheel locks are one of the most effective manual disabling devices and are available in various designs. The most basic type of steering wheel lock is a metal rod that attaches to the steering wheel and the clutch, accelerator, or brake pedal, preventing the wheel from turning. More advanced options, such as The Club 3000, feature an elongated bar that makes the car undrivable by preventing the steering wheel from turning beyond a certain point.

Another option is a security tire clamp, also known as a wheel lock or wheel boot. This device clamps onto one of the wheels, making it impossible to rotate. Security tire clamps are highly visible, serving as a deterrent to potential thieves. They are also adjustable, making them suitable for various vehicles, including motorcycles, cars, RVs, and trucks.

Brake locks are another type of manual disabling device that attaches to the brake pedal or steering wheel, immobilising the brake and preventing the car from moving.

Engine kill switches are a more discreet option, cutting off the electricity flow to the ignition switch, preventing thieves from starting the car. Some people install multiple hidden kill switches to deter robbers further.

Automatic disabling devices

One example of an automatic disabling device is a computer chip in the ignition key. This device will prevent the car from starting if an unrecognized key is used. Smart chip keys arm the system when you walk away or activate after the car has been locked for a certain time. They can also prevent operation if someone tries to hotwire the car.

Another example of an automatic disabling device is a hidden kill switch. This cuts the electricity flow at the ignition switch of a car to prevent thieves from stealing the vehicle. Some people install multiple hidden kill switches to deter robbers from driving off with their car. The average hidden kill switch costs $10, but you may need an auto technician to install it.

Other types of passive anti-theft systems include alarm systems that activate automatically when you turn the ignition off or shut your car door.

In many states, installing an anti-theft device can decrease the premium you'll have to pay for your car insurance. This is because anti-theft devices not only protect your vehicle but also lower the chances of you having to make a theft-related insurance claim.

Remote disabling systems

Remote disabling devices are an innovative way to protect your car from theft. These devices connect to your smartphone, allowing you to decelerate, downshift, or lock the brakes remotely. They are often expensive and more commonly used in commercial vehicles than personal cars.

Remote disabling devices use GPS technology to track your vehicle. Depending on the type of device, you may be able to activate a kill switch or configure the device to shut off access to the vehicle. These devices can be challenging to install and may require a technician. Additionally, they may require a subscription service.

While remote disabling devices offer advanced security features, they may not be necessary for all car owners. Basic security measures, such as steering wheel locks, brake locks, and wheel clamps, can also effectively deter theft. These simple devices are more affordable and easier to install, providing a cost-effective alternative to remote disabling systems.

It is worth noting that some insurance companies offer discounts to policyholders with anti-theft devices installed, as they help reduce coverage costs for insurers. When considering a remote disabling system, be sure to check with your insurance provider about any potential discounts and compare different options to find the most suitable device for your needs.

Vehicle tracking systems

There are several types of vehicle tracking systems available on the market, each with its own advantages and disadvantages. Here are some of the most common types:

• Wired GPS trackers are installed in a hidden place and connected to the vehicle's electrical system, so they don't need to be charged. However, they require professional installation, which can be costly.
• Portable battery-powered trackers are easy to install and can be used to monitor your parked car when travelling or when it is not in use. However, they need to be charged regularly, and using them to extensively record driving routes may not be optimal due to battery limitations.
• OBD port GPS trackers are plugged into the OBD II port, a computer-based diagnostic system available in any car model manufactured after 1996. They are easy to install and don't require additional tools. They also don't take up much battery power, but it's recommended to drive the car every week for battery health and general motor maintenance.

When choosing a vehicle tracking system, it's important to consider factors such as ease of installation, real-time location tracking, ease of use, reporting and logs, and additional security features. Some trackers offer advanced features such as notifications for speeding, geo-boundaries, and low battery alerts. Others may provide trip tracking and driving history logs, which can be useful for monitoring teenage drivers or fleet vehicles.

It's also worth noting that some insurance companies offer discounts to policyholders with vehicles containing anti-theft devices, as they help insurers save money on coverage costs. Therefore, installing a vehicle tracking system may not only help protect your vehicle but also lower your insurance premiums.

Discounts and insurance requirements

Installing an anti-theft device in your car can help lower your insurance premium. These devices help prevent car theft, which is beneficial for both the car owner and the insurance company. When your car is better protected against theft, it is less likely to be stolen, which means the insurance company doesn't have to pay out to replace it. To encourage car owners to install anti-theft devices, insurance companies often offer discounts on insurance premiums.

There are two main types of anti-theft devices: passive and active. Passive devices, such as transponder keys and alarm systems, work automatically without any manual activation required. On the other hand, active devices like steering wheel locks and brake locks, need to be manually activated by the driver each time. Both types of devices can help improve the security of your vehicle and may qualify you for insurance discounts.

It's important to check with your insurance provider to see what specific anti-theft devices they approve for discounts. Some insurance companies may restrict the discount to certain types of devices or to residents of particular states. Additionally, you may need to provide proof of installation before receiving the discount.

The amount of discount offered can vary across different insurance companies, so it's worth comparing policies and choosing the one that offers the best value. In some cases, you may be able to get a discount on your comprehensive coverage, which covers theft and other non-crash-related damages.

In certain regions, such as twelve U.S. states, insurance companies are required by law to offer anti-theft device discounts to policyholders with comprehensive coverage. This further emphasizes the importance of investing in an anti-theft device for your vehicle.

When choosing an anti-theft device, consider factors such as your budget, security needs, and the location of your residence and workplace. If car thefts are common in your area, investing in a more advanced device may be necessary. Additionally, opt for devices that are easy to install and use, as complex devices can lead to improper usage and security breaches.

By installing an anti-theft device, you not only enhance the security of your vehicle but also have the potential to reduce your insurance costs. Be sure to check with your insurance provider to understand their specific requirements and discounts offered.

Frequently asked questions