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Vehicle Recovery Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 15, 2021

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Key Takeaways

  • You can save up to 35 percent on your car insurance premiums with a vehicle recovery car insurance discount.
  • To qualify for a vehicle recovery car insurance discount, you must have proof of an active anti-theft system installed in your vehicle.
  • 21 national insurance providers offer a vehicle recovery car insurance discount.

To prevent vehicle theft, you might have a vehicle recovery system actively installed in your vehicles, such as OnStar, LoJack, or Teletrac. Did you know you could also receive up to 35 percent off your car insurance with a vehicle recovery car insurance discount?

Read through our guide to learn what companies offer this discount, what you need to do to qualify, and how you can secure cheap car insurance rates.

Enter your ZIP code into our FREE quote tool above to receive quotes from reputable providers near you, and ask about a vehicle recovery car insurance discount.

What car insurance companies offer a vehicle recovery car insurance discount?

According to the National Highway Traffic Safety Administration (NHTSA), around 770,000 vehicles get stolen every year. If you have a vehicle recovery device installed in your vehicle, you might qualify for a car insurance discount.

What is a vehicle recovery device? It is a small transmitter kept in your vehicle designed to help the police locate your vehicle in the event it is stolen.

Some of the most recognizable vehicle recovery brands include LoJack, OnStar, and Teletrac. If you actively use one of these systems, you could receive a discount on your car insurance.

Take a look at what companies offer a vehicle recovery discount in the table below.

CompaniesVehicle Recovery Discount Offered
21st CenturyYes
AAAYes
AllstateYes - 10%
American FamilyYes
AmeripriseYes - 5%
AmicaYes - 10%
EsuranceYes - 15%
FarmersYes
GEICOYes - 25%
Liberty MutualYes - 35%
MetLifeYes - 10%
NationwideYes - 25%
ProgressiveYes
Safe AutoYes
SafecoYes
State FarmYes - 5%
The GeneralYes - 8%
The HanoverYes
The HartfordYes - 3%
TravelersYes
USAAYes
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At least 21 major insurance providers offer this discount, however, the vehicle recovery car insurance discount rates change based on what company you use.

Each company uses different eligibility criteria for the vehicle recovery car insurance discount. GEICO gives a 25 percent discount only if you live in California, Massachusetts, New Jersey, New York, or Rhode Island.

Liberty Mutual provides an affordable vehicle recovery car insurance discount at 35 percent, but it’s only applied to comprehensive coverage.

Usually, car insurance discounts stack. However, with MetLife, only one anti-theft discount is applied to your policy. Similarly, Nationwide’s discount is lumped with its anti-theft discount.

What is a vehicle recovery car insurance discount?

According to the Federal Bureau of Investigation (FBI), more than $6 billion was lost to vehicle theft in 2019.

A vehicle recovery car insurance discount is, therefore, a benefit provided to the customer for installing an anti-theft tracking device that can help recover a stolen vehicle.

Vehicle recovery software discounts can help lower your insurance rates if you live in a part of the country with higher than average auto-theft rates, or if you drive a car model that is more likely to get stolen.

Most states only require liability car insurance, but what does liability insurance cover? It only pays for damage to the other driver in an accident you are found at fault for. It does not cover auto theft.

Vehicle theft is only covered by comprehensive car insurance. What is comprehensive coverage on a car insurance policy? It protects your vehicle from damage when it is not in motion. This includes auto theft.

How can I qualify for a vehicle recovery car insurance discount?

Qualifying for a vehicle recovery car insurance discount varies by company and by where you live. Car insurance laws and regulations vary by state, so this discount may not be available in some regions.

Usually, you need proof of an approved vehicle recovery software installed in your car. Next, inform your insurance agent. Otherwise, there is no way for your insurer to know you qualify for this discount.

Some companies only take the discount off of your comprehensive coverage, not your full policy. With these companies, if you do not buy comprehensive coverage you will not be eligible for the discount.

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How much can I save with a vehicle recovery car insurance discount?

The average savings you’ll receive with a vehicle recovery discount is 14 percent. However, your savings could be as high as 35 percent or as low as 3 percent.

The actual amount you can save with a vehicle recovery discount varies by company. Some providers combine this discount with other anti-theft discounts. Others separate it as an individual savings opportunity.

You are now an expert at qualifying for a vehicle recovery car insurance discount. Ready to find the insurance company that can provide you with the most discounts?

Enter your ZIP code into our FREE quote comparison tool and ask about vehicle recovery device discounts to compare rates from reputable providers near you.

References:

  1. https://www.nhtsa.gov/road-safety/vehicle-theft-prevention
  2. https://ucr.fbi.gov/crime-in-the-u.s/2019/crime-in-the-u.s.-2019/topic-pages/motor-vehicle-theft

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