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Posted February 14th, 2013
Your automobile could easily be your second most expensive acquisition after your home. With that much money at risk it makes sense to protect your auto with some type of a security system. These security solutions can be as simple as a sticker or etching on the windows to a computerized tracking system that can be linked directly to law enforcements computer screens. Depending on the type and effectiveness of the system, some insurance companies offer substantial discounts for their installation and use.
The most prevalent security system in use today is OnStar. OnStar is included on most GM cars and trucks. OnStar can be purchased as an after-market product, but other vehicle manufactures have security products that provide some of the same options, including LoJack, Viper Crime Stopper, and many others. Most insurance companies are willing to provide discounts on the cost of insurance depending on the type of system that is installed.
Options that are available in car alarm systems include:
- Phone Applications
- Remote Starter
- Starter Kill Switch
- Tilt Sensors
- RF Transmitter
- Backup Power
- Text Message Alerts
- Panic Features
- Keyless Entry
While most people think only about theft prevention, when considering a vehicle alarm, the enhanced features available on the better systems should be considered. The ability to contact a dispatch service in an emergency situation can be a life saver, especially in the case of a serious accident or medical emergency. Another important addition can be the remote monitoring of the cars diagnostics. These systems can keep track of needed maintenance items and alert you to abnormal engine readings.
Your local independent insurance agent can be a great source of information concerning the discounts that are available to your vehicle with your particular auto policy. While some of these discounts are automatically applied, based on your automobile Vehicle Identification Number (VIN), others, especially after-market systems must be manually applied.
Auto security systems can be a great addition to a vehicle. Talk to your agent. Make sure you are getting the credit you deserve for your smart decision.