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Anti-Theft DevicesWhile you getting into an accident that causes damage to the car is one risk that the car insurance company takes when they insure you, another risk for them is if the car you own is stolen. If your car is stolen and they can't recover it, they must pay the full value of the car.
Since this is something that the car insurance companies don't want to do, they will often give a discount on your car insurance if your car has technology that will help deter the car's theft and a thief getting into the car to steal audio equipment.
Most car insurance companies offer some type of anti-theft device discounts. In most cases, the anti-theft devices need to be "passive" systems. This means that the anti-theft device arms itself and requires no intervention on your part such as inputting a code to make it work.
An alarm system that automatically activates when you lock all the car doors would be an example of a passive system that might qualify for a discount. A steering wheel bar which you must manually attach each time you leave your car, however, may not qualify since it isn't passive.
It is worthwhile contacting your car insurance agent to see what anti-theft devices qualify under their company's guidelines and how much of a discount they would receive. You can then compare the cost of the anti-theft devices in relation to the savings they will provide to determine which ones are worth adding to your car to lower your car insurance payments.
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