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Car insurance companies will charge higher rates for cars that are among the latest models and are among the favorite of car thieves. Car insurance companies also charge higher rates if you live in an area that are among the favorite spots of car thieves. Of course, you cannot move simply because you want lower rates. If you have to live in an urban area that is a hot spot for car theft business then you can at least find out how you can get discounts despite thieving threats.
Discounts may be given to car owners who have security devices installed in their cars. Some companies give this discount on their own volition and some companies are mandated by the State to give the discount. If your car has passive devices such as ignition cutoff, car alarm, and electronic recovery system then you might just qualify for a discount. These devices get activated when the car is locked. This means that the car is somewhat safe even if the driver does not remember to turn them on. Insurance companies generally prefer that your car has these security devices.
You may get as much as 30% discount for advanced security devices. There are twelve States in the US that mandate insurance companies to give discounts to car owners whose cars are equipped with security devices. These States are Florida, Illinois, Kentucky, Massachusetts, Minnesota, New Mexico, New York, Pennsylvania, Rhode Island, Texas and Washington. If you have a car that is well-equipped when it comes to security measures and you live in any of the States mentioned above then you are in luck. Although the amount of discount varies from State to State, the usual is 15%-20% discount for passive devices.
Car theft can be prevented if you take care to park your car carefully and install some anti theft devices. There are visible of audible anti-theft devices which you might want in your car in order to get a chance to avail of the discount and avoid having your car stolen. These devices are Audible alarm system, steering wheel locks, steering column collars, theft deterrent decals, wheel locks, and window/VIN etching. Your car may or may not have these devices upon purchase. It will be so much the better for you if you can afford to have them all.
Finally, you should be aware that you can also install tracking system that will alert the local authorities should a car thief get past your car’s security. It may not always be the case that your car will get stolen if you left it parked somewhere. Sometimes, you can be a victim of carjacking where your car gets stolen when you just opened it in a parking are for instance. The car thief might approach you from behind, point a gun at you, demand to have your keys and drive away with your precious wheels. To prevent this thing from happening to you, always check your surroundings before opening your car door. Or you can install a tracking device and avail of a discount. It is really up to you.