When people shop for a Canada car insurance quote they remember
to discuss with their agent the obvious factors that can reduce
their car insurance premiums like driver training, dropping collision
from older cars, driving back and forth to work, however when getting
a Canada car insurance quote many forget to mention anti-theft devices
they may have to protect their vehicle. By not mentioning anti-theft
devices you could be leaving behind some additional discounts.
theft costs are huge, they cost Canadians approximately 1.2 billion
a year when you add up legal bills, insurance costs, not to mention
health care costs for those thefts which involve injuries. Obviously
it is in our best interest and the interest of the insurance companies
to take the steps in providing anti-theft devices that will help
reduce these costs and let's face it any sort of car insurance discount
means money kept in your pocket!
are three general categories for anti-theft devices, understanding
these will help you when you are shopping for a Canada car insurance
mechanical - in a nut shell these are devices that are used
to restrict the movement of the steering wheel, so that your car
can't be driven. The mechanical device we are all familar with would
be the steering wheel locking bars.
alarms - they deter theives from stealing you car by using sirens
and flashing lights. All of us have either experienced our alarm
going off at three am in the morning or have had a neighbour's go
electronic - these are immobilizers which will cut off the power
to the ignition system preventing the vehicle from starting,
three are common devices and it is the electronic immobilizers which
have been made mandatory in Canada.
three anti-theft devices can be broken down again into two categories:
devices - where you have to physically turn them on yourself
to activate them
devices - these are devices which are engaged when you turn
the car off and remove the key
devices are deemed by Canada car insurance companies as the most
effective because they don't have to rely on human activation to
turn them on and it is these ones that provide you a discount.
anti-theft device which may be considered by the Canadian car insurance
companies is vehicle etching. Vehicle etching provides a small decal
in the corner of the windown on your car with a tracking number.
There are also etchings in various places throughout the vehicle
that are not as readily noticeable.
you are calling with respect to your Canada car insurance quote,
make a note of what your car already has in the way of anti-theft
devices and make it a point to mention ALL of them specifically
to your agent. If you're buying a new car check with your sales
person and ask them what anti-theft devices are inherent in your
vehicle. Engine immobilizers are a given, but ask your car sales
person if your new car has vehicle etching, wheel locks or any other
anti-theft devices you can take advantage of.
one last thing you NEED to DO is ASK. When you are shopping for
a Canada car insurance quote, know what anti-theft devices you have
ahead of time and ask your auto insurance agent what discounts you
receive as a result of having these anti-theft devices. If you are
shopping using the internet and getting a
Canada car insurance online quote make sure that you answer
the question about anti-theft devices. When you get your car insurance
quote comparisons and are making the calls, DON'T FORGET to ask
assume that you will get these discounts or they are already applied.
ASK AND MAKE SURE!
Dennise Ryder writes from her home in Toronto, Ontario, Canada.
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