Insurance Discounts for Security Systems

Automobile insurance plans are a relatively large expense that people have to pay each month to drive legally in the state they are living in. There are numerous ways a person can save money on a plan, including comparing rates from multiple car insurance companies. State Auto Insurance gives the tools you need to find the best prices for car insurance available through comparing policies. There are other ways to save money while on the site as well, including through the use of car insurance discounts.

Some of the most significant discounts on car insurance include multi-policy discounts, multiplan discounts, good driving records discounts, and discounts for paying for your entire policy in advance. There are things that people get discounts for as well. Discounts are generally given for things that lower the risk a person has of getting into an accident or filing a claim. One of the ways people can get a discount is by having a car alarm in their vehicle. Car alarms, as well as other antitheft devices, can give discounts from car insurance companies. Many cars come with antitheft systems built-in already, but some people choose to add these systems into their vehicles for further protection.

Types Of Car Alarms And Vehicle Security Systems

Protecting your vehicle, as well as the things in it, has benefits to you outside of getting discounts. Even so, using certain tips to protect your things is important. If you have expensive belongings in your vehicle, or even a backpack or briefcase, you can put them in your trunk when you are away from the car. Make sure to lock your vehicle when you leave it as well, preventing people from simply opening your door and getting to your things. Numerous different types of car alarms and security systems are also available. Most automobile insurance providers offer discounts to people who have a security system in their vehicle.

The three main types of auto security systems include passive car alarms, active car alarms, and silent car alarms. A passive alarm is one that the driver of the vehicle does not need to activate. Most cars come standard with this type of alarm system. When a person locks the door to their car, a passive alarm device becomes activated. The automatic locks on a key fob often turn this type of alarm system on.

Another type of alarm is an active car alarm. This is an alarm that a driver will activate themselves, physically. An example of this is a separate button on a person’s key fob that sounds the vehicle's alarm. 

The third main type of alarm system people have in their cars are silent car alarm systems. Passive and active alarms can be disruptive and scare off someone who is trying to break into your vehicle, but these alarms are not designed to do this. Often used in conjunction with active or passive car alarms, silent alarms send a signal to the owner of the car and/or the police. While it is unlikely to scare a thief away if they are trying to steal something, and does not alert people in the area that something is going on, silent alarms can be useful in catching the culprit in some situations.

How Much Of A Discount Can You Get For A Car Alarm?

Many factors go into determining a person’s auto insurance rates, and car alarms factor into the equation. Depending on the type of alarm it is, a discount for auto alarms can be extremely small to a larger size. As technological advances are made, more protection is available. Simple car systems that are often included with vehicles can help a person save on comprehensive insurance if they purchase it. Liability insurance is often not as affected by the security systems in a vehicle. Some systems communicate online to help assist if a person is in an accident or having an issue. These types of systems can help give discounts on more than one type of insurance plan.

Another feature of more advanced antitheft systems, like OnStar, is the ability to track a vehicle by GPS if it is stolen. Again, this can help people save money on comprehensive insurance plans. Keep in mind that a person who only purchases liability insurance might not see the same amount of discount as a person who has comprehensive insurance would.

When looking to find the best prices for car insurance, use State Auto Insurance. The professional team on this website has put together the top tools for auto insurance rates, helping people save.