Most insurers offer discounts because the number of car thefts has fallen by 7.2%. The savings of a passive alarm will range from 15 to 20% in most insurance companies. Discounts for active alarm may only range from 5% to 10%. If you have a LoJack system, you can combine a 25% discount with your other anti-theft discount and save even more.
You can get discounts on auto insurance in Arizona depending on how you drive, the car you own, and your relationship with your insurance company. In Arizona, auto insurance companies may consider factors such as employment, residence and marital status when setting premiums. That means that discounts are also available for being married, owning a home, or being affiliated with certain employers or educational institutions. You're eligible if your vehicle has an alarm or other approved anti-theft device.
For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 13% more than the average premium in Arizona. The anti-theft discount will apply to a portion of your premiums and can help you reduce the cost of insurance for several vehicles in your household at the same time. This discount provides relief to those who keep their cars on the same policy or, at least, with the same insurance provider. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies.
Your insurance company pays up to the limit specified in your policy for each type of car insurance coverage. In recent years, the security alarms available in cars have progressed beyond what most people thought possible just a few decades ago. While a vehicle recovery system isn't necessarily an alarm that prevents theft, it's a system that helps the vehicle owner find where their car is in case it's successfully stolen. In at-fault states, the other driver is usually responsible for damage to their car and for any medical treatment they may need, assuming that the other driver is found completely at fault.
Therefore, any custom alarm system that is not installed by the car manufacturer is considered an aftermarket car alarm. In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver's repair and hospital bills, and your own medical care. You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Arizona, including fines and the suspension of your license and registration.