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
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
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.