I want to buy a used car soon. I was wondering if having an alarm system on the car would make insurance cheap?
Tuesday, March 9th, 2010 at
11:31 pm
Like when you own a house or buying…you have home owners insurance. It sometimes makes insurance cheaper is you have an alarm system. So would the same thing be possible for a car?
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An alarm system on a used car won’t make your insurance "cheap" but it will probably make it a few dollars lower.
The difference will be on the "comprehensive" coverage line on your policy. It won’t affect your liability coverage, nor the collision coverage. (That’s because the alarm makes the car a little less likely to be stolen, and a stolen car is protected by the comprehensive coverage.)
Depending on the company, and the state you live in, there may be discounts for other related things: An alarm that disables the engine; glass breakage sensor; tracking device (such as lo-jack); VIN etched in the windows; etc.
Make it easy on yourself: Call your current insurance company and ask. (And if you don’t have a current insurer, start calling around and getting quotes.)
You get a very small discount for having anti-theft features on your car
only if you have full coverage or at least comprehensive.
You’ll get a discount on your insurance if it has an alarm installed. An aftermarket alarm will usually get a better discount because most factory alarms are considered passive alarms.
You can compare how the insurance quotes would change, for example here – autoinsurance.noneto.com
On my insurance, it’s worth a couple of dollars a month, no more. And you need to be carrying comprehensive for it to be worth anything at all.
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