When you are shopping to find the best auto insurance rates, you want to give the insurance company all the important information about you and your car, so you can get all the discounts for which you qualify, and the insurance company quotes you the lowest price they can offer you for the coverage you request. Here are some tips to make sure you get the discounts you deserve.

When you give the insurance company the vehicle identification number (VIN — which consists of 17 numbers & letters, for cars newer than 1980 — it can be found on your registration, title, and various places on your car, such as the driver’s door jam) for your car, the insurance company ‘s computer software will often know about your car’s air bag system and anti-lock brakes, but it may not know if your car has an alarm, or a vehicle recovery system, like LoJack or On Star,  or a passive or active disabling system, to help prevent theft of your car.

If you are getting an auto insurance quote, including Comprehensive coverage for your car, which covers theft, you want to tell the the agent or insurance company representative about any type of anti-theft system installed on your car.

Now, car sales people & car alarm installers like to tell you about the 10% to 25% savings you will get on your auto insurance. It’s true, some auto insurance companies offer up to a 25% discount for some anti-theft devices. But the percentage discount applies only to the Comprehensive coverage.

So, for example, if your auto insurance costs $1,000 every 6 months, and your Comprehensive coverage costs only $200 of that $1,000 total premium, your 25% savings for an anti-theft device is only $50 every 6 months.

Don’t pay for an anti-theft system or alarm for your car for the savings on your auto insurance, because most likely, the insurance savings will not be worth the cost.
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However, if you have an anti-theft device or alarm, make sure you get the discount for it applied to your car insurance.

Obviously, if you don’t have coverage for theft (covered by Comprehensive coverage) on your car, you don’t get any discount on your auto insurance for having an anti theft device or alarm, so there is no need to inform your auto insurance company about it.

What if you are not shopping for auto insurance right now? Well, if you have not shopped for a better price with ALL the leading auto insurance companies (which can be found on my Web site at this link) in the last year, I can tell you, from personal experience, it is worth your time to shop, because you can save a lot of money by finding the auto insurance company with the best price for you.

However, if you don’t have time to shop at the moment, and your car insurance does not renew for a few months, make time to call the auto insurance company you insure with now, and have the insurance company review with you ALL the discounts they offer. Make sure you are getting all the discounts for which you qualify. You might be surprised how many people pay more than they should for auto insurance because they are not getting a discount to which they are entitled.

What auto insurance policy discounts does your car insurance company offer? Is it worth it to install a car alarm? What do you think? Comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.