How To Get Car Premium Cutbacks With Anti-Theft Devices

By Graham McKenzie

You can cut the cost of your car insurance by confirming with your insurer the premium discount that you can avail for outfitting the car being insured with the applicable anti-theft device. Insurance companies normally offer special discounts and cutbacks on the amount of premium in consideration to the security system and anti-theft device installed in your car. When you are scouting for the best priced car insurance policy, don?t fail to clarify with your insurance agent the discounts that they can offer to you for the device or security system that you are using in your vehicle.

There are three main types of anti-theft devices available in the market today. These are the mechanical immobilizers, the car security alarm systems and the electronic tracking and immobilizing device. It is important that you have clear understanding of the operating principles of these 3 types of security devices.

The mechanical anti-theft devices are used to control the movement of the steering wheel. This will prevent your car being driven once this mechanical device is installed. These mechanical immobilizers are a good alternative to high tech electronic gadgetries that are very common in the market today. It relies on its ability to restrict access and control the movement of the vehicle and the most common device under this category of anti-theft device is the steering wheel lock bar. While this latch bar is the most common, there are also other protective devices which are equally reliable and these include the lock bars for the gear shifts, tires and the brake pedals. The upside of this type of anti-theft device is that it is conspicuous making it an effective deterrent to car thieves. Nonetheless, police officials recommend that these devices be used in conjunction with the other types of anti-theft or security alarm systems.

The security alarm systems comprise another category of anti-theft devices. This category includes a wide array of electronically activated car sensors. These electronic devices protect vehicles from possible breach by thieves. An alarm is activated in case of unauthorized or forced entry, perimeter threats, breaking of glass windows and sudden movements or nudges to the vehicle.

On the other hand, the third type of car security devices provides security by reporting the location of the vehicle by triangulation. These electronic devices operate through a car tracking system that relays the exact location of the car to the car owner. It also comes with a feature to identify the car using a tamper-proof VIN etching ID process. Some models of this car tracking system are also capable of electronically disabling the vehicle by isolating the power system in the event that it is driven off by car thieves.

The last thing that you must do when you are considering the appropriate car insurance is to ask and confirm the discounts being offered by the car insurance companies for vehicles outfitted with security systems and anti-theft devices. You have to confirm with your insurance agent or the insurance companies which anti-theft devices qualify for a discount on premiums. If you are making online searches, make sure that you provide a complete description of the anti-theft device that is installed in the car being insured. - 23211

About the Author:

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading Car Insurance portal, which helps people save on their Car Insurance.