Pam's Insurance Site

About Me

Pam's Insurance Site

When I bought my first house, I was already going into a lot of debt. I didn't have the money to seriously insure it, so I bought only the bare minimum without consulting an insurance professional. That was a big mistake on my part. It could have turned out alright. That is, if my house hadn't been in the path of a huge storm. Huge gale winds knocked a tree down straight through my roof. My house was practically destroyed, and my minimal policy didn't cover nearly enough. I spent years and years trying to get myself out of that financial mess. Since then, I have always been very cautious in learning about insurance and talking to the real professionals.


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Anti-Theft Measures That Can Lower Your Insurance Premium

One of the ways that auto insurance protects you is to reimburse you if your car is stolen. However, there are methods you can put in place to reduce the risk that your car will be stolen. Many cars come with car alarms and there are other anti-theft devices that are available. You may even be able to lower your insurance premiums when you install these devices.

Car Alarms

Most insurance providers will offer you a discount if your car comes with a car alarm. You will only receive a discount if you select comprehensive coverage because liability insurance does not cover car theft. There are several types of car alarms you can choose from. The passive car alarm is the type that comes standard with most newer vehicles. For this reason, older vehicles are more likely to be stolen even if they are worth less. When you lock the car door, the alarm is already activated. Some alarms are active alarms that you must turn on manually. 

Silent Car Alarms

While it is conventional for a car alarm to create a loud noise when activated, silent car alarms are also available. They will typically send a notification to your phone. However, they do not have the benefit of startling a thief and also don't alert others to your car being stolen.

Anti-Theft Devices

Anti-theft devices are another proven way to reduce the risk of your car being stolen. If you use them, your car insurance provider may be willing to reduce your premiums even further if you carry comprehensive insurance.

Some anti-theft systems will shut off your car remotely to prevent a thief from making a getaway. For example, you might have a special key fob that will automatically shut off the car engine when the fob is too far away. Other devices allow you to track the location of your vehicle so that it can be recovered. 

VIN Numbers

Another measure is to etch your VIN into the windshield. While this doesn't prevent the thief from stealing your vehicle, it will be much harder to sell it because your car can be identified as a stolen vehicle. However, this won't help if your car is simply used for parts. Regardless, you'll want to explore all of your options not only to keep your insurance premiums low, but to reduce the risk of being inconvenienced by having your car stolen.