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Cutting Car Insurance Premiums With Anti-Theft Devices

By Graham McKenzie

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Published: 11Jul2009
Word count: 544
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When you are scouting for the most affordable car insurance policy it is imperative that you learn of the practical steps at how to cut the car insurance cost. One of the more important things to consider is the anti-theft device installed in the car to be insured. Car insurance companies offer discounts on premiums for insured vehicles installed with specific anti-theft devices and car security system. It is important that you consider the car policy that provides discounts on premiums for the security system installed in the car to be insured.

Anti-theft devices and car security systems are classified into three major class types. These are the mechanical car immobilizers, the electronic immobilizer and identification system and the security alarm device. It is essential that you know the basic features of the various type of car security systems. This is very important if you are looking for discounts in the premium of your car insurance policy.

If you are into the old reliable physical locks that limit movement and control then the mechanical latches and locks are your ideal choices. These mechanical immobilizers provide protection for potential theft by limiting the movement and control of the car. If you are looking for an alternative to the high priced electronic security gadgets, then these mechanical devices is a practical option. These sturdy metal latches are commonly applied to immobilize the steering wheel although there are now other immobilizers that are designed for brake pedals, the wheels and the stick shifters. It is a perfect deterrent to would-be car thieves and can be relied upon especially when installed as a component of your car's security system. Thus, security experts strongly advise car owners to use these mechanical locks in tandem with other car security devices. Car thieves normally avoid vehicles outfitted with more than one type of car security and anti-theft devices.

There are now quite a number of electronic car alarm systems that are being sold in the market today. If you prefer the modern gadgetries to provide security to your car then these electronic car alarm systems is your logical alternative. These gadgets are motion sensor devices that activate an alarm to warn car owners of possible unauthorized or forced entry to their vehicles. It can also be programmed to monitor sudden motion or potential perimeter breaches in order to prevent threats of potential theft.

The third category of car security system is the electronic tracking and immobilizing device. This type of car security system provides protection by triangulating the exact position of a stolen car using an installed location tracking device. It also has a unique and tamper proof car ID system using VIN etching process. This car security system can also electronically isolate the power system thereby permanently immobilizing the car in the event that it is driven off by car thieves.

Once you have covered the types of anti-theft gadgets, the next things that car owners should do is to confirm with the car insurance agent or the insurance company the inclusions in their insurance premium discounts. Meanwhile, if you are scouting for a security system for your car, include in the decision parameters the cutbacks or savings that you can get through lowered premiums for specific anti-theft gadgets.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal.

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