What is the anti-theft discount?

What is the anti-theft discount? Anti-theft discounts are savings you may receive on your car insurance rates for safety features or technologies that help protect your vehicle. Many car insurance companies offer anti-theft discounts that can save drivers anywhere from 5% to 20% on car insurance rates.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Apr 30, 2021

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Things to Know

  • There are three different types of anti-theft discounts for active, passive, and tracking systems.
  • Active devices are not as cost-effective as tracking systems
  • Anti-theft devices can save drivers between 5% and 20% of car insurance

Looking for a way to save money and keep your car safe? An anti-theft discount is just one of the car insurance discounts offered by many car insurance companies.

An anti-theft discount is a way to lower your car insurance premiums, and the best part is that you may already have the requirement installed. Anti-theft devices, such as automatic wheel lock, often are already in vehicles.

These devices can also help you save between 5% and 20% on car insurance, depending on which company you choose. Keep reading this guide on anti-theft discounts to learn more.

If you’re ready to compare anti-theft car insurance quotes, use our free tool to find your right match. Enter your ZIP code to get started today.

What is an anti-theft device?

An anti-theft device is just that: A piece of equipment that prevents vandals from breaking into or stealing your car. If it was stolen, an anti-theft device also increases your chances of recovering your vehicle.

Several types of these devices often fall into two categories: Passive disabling device or active disabling device.

What are the types of car anti-theft devices?

There a several types of technologies that will help you secure affordable anti-theft discount car insurance. Let’s go over a few.

The first kind is passive disabling devices, which include automatic disabling and remote disabling devices.

Automatic disabling refer to a smart or transponder key, which doesn’t allow the vehicle to be driven without that key. The remote device allows a car owner to decelerate or lock a car’s brakes if it is stolen.

Car alarms, VIN etching, systems like OnStar, and vehicle recovery devices are also examples of anti-theft devices.

Active disabling devices are different in that you must activate them in order for them to work. An example of this would be a steering wheel lock that doesn’t allow your key to turn the engine over. Or it could be that large steel rod, i.e., The Club, that fits across your steering wheel that prevents theft.

How do you get an anti-theft discount?

First, you need to make sure that your anti-theft device actually qualifies you for a discount. Ask your insurance provider about the requirements for an ant-theft device.

If you already have an anti-theft device but no company, check out the list below for a list of anti-theft discount car insurance companies.

  • 21st Century
  • AAA
  • Allstate
  • American Family
  • Ameriprise
  • Amica
  • Country Financial
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • The Hanover
  • The Hartford
  • Travelers
  • USAA

Anti-theft discount car insurance rates can lower premiums by up to 20%. Generally, active alarm discounts might only be between 5% and 10%. Passive alarms will help drivers 15% to 20% on average.

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The Bottom Line

If you’re looking to buy anti-theft discount car insurance, comparison tools are going to be your best friend. As we have gone over, there are various types of anti-theft devices that your car may or may not already have installed.

These safety features are designed to keep you and your investment safe. Car insurance companies will raise rates if you live in an area with high crime, but anti-theft devices can lower your premiums.

The Insurance Information Institute reports that location is one of the major drivers behind car insurance costs.

Does your vehicle have a built-in anti-theft device? Then, use our free car insurance comparison tool to find the best car insurance company that near you may offer anti-theft discounts. Enter your ZIP code to start.

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