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Insurance Discounts for Car Alarms
Passive and Active Vehicle Security Systems

Many insurance companies offer a 10% to 25% discount off of the comprehensive portion of your premium for having an anti-theft system installed in your vehicle if it has some type of passive disabling device such as a starter inhibit (starter kill), fuel cut-off switch, ignition inhibit, or any other device that automatically prevents the vehicle from running or starting. Most name brand alarms sold on the market today include a card to present to your insurance company to receive this discount.

Passive systems require no action by the driver for the inhibit feature to be enabled once the driver has exited the vehicle, but that doesn't mean that you are limited to only using a passive system when choosing an alarm system. Most active systems include these passive features along with additional features such as remote keyless entry, remote starting, remote window opening and closing, remote trunk release, etc. as well as additional bells and whistles like light flash, horn honking, paging, and even taking pictures.

Passive systems can cost as little as $5.00 and typically no more than a few hundred dollars installed. For an example of a stand alone passive starter kill system that you can put together and install yourself usually in less than one hour, please visit the12volt.com.

Active systems can often be purchased from your local mobile electronics dealer for as little as $100.00 or less installed. Additional features will obviously cost more, but can often be added to these inexpensive models at a later date. Some dealers may even sell active systems that you can install yourself, but professional installation of these systems is always recommended and usually includes a better warranty if the dealer does the installation.

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