Installing an anti-theft system in your vehicle can significantly lower your auto insurance premium. Canadian Insurers often reward drivers who take proactive safety measures. Below is a comprehensive overview of the available options, their advantages, disadvantages, and how they influence your premium. 

Read our article on the most stolen cars in Canada 

Why Install an Anti-Theft System?

Every year, thousands of vehicles are stolen in Canada, leading to high costs for insurers, which are then passed on to policyholders through higher premiums. By installing a recognized anti-theft system, you reduce the risk of theft and can benefit from a substantial reduction in your auto insurance premium. 

Anti-Theft Systems Recognized by Insurers in Canada

1. Anti-Theft Marking (Sherlock, Tag, or others)

Anti-theft marking involves inscribing a unique code on the main parts of the vehicle. This makes it harder for thieves to resell the vehicle or its parts. 

Advantages: 

• Deters thieves
• Makes it easier to identify and recover the stolen vehicle
• Generally affordable (between CAD 200 and CAD 400) 

Disadvantages: 

• Does not prevent the initial theft
• Less effective against theft for parts 

2. Immobilizer System (Anti-Start Device)

An immobilizer system, also known as an anti-start or kill switch, is an electronic device integrated into the vehicle. It prevents the engine from starting unless the original key or a specific electronic device is present. The immobilizer works by electronically cutting off the ignition or fuel supply circuit when an unrecognized key is used. This makes theft particularly difficult for opportunistic or poorly equipped thieves. 

Advantages: 

• Prevents the engine from starting without the original key
• Very effective against quick thefts 

Disadvantages: 

• Less effective against professional thieves with specialized equipment
• Requires professional installation to maintain warranty 

3. Audible Alarm or Complete Alarm System

An alarm system triggers a sound or visual alert in case of a break-in attempt or significant impact. 

Advantages: 

• Immediate deterrent effect
• Draws attention during a theft attempt 

Disadvantages: 

• Can be triggered accidentally (false alarms)
• Often ignored by the public if they occur too frequently 

4. GPS Tracking System (e.g., Boomerang, TAG Tracking)

A GPS tracking system allows quick location of a stolen vehicle using a discreet device installed in the vehicle, connected to a monitoring center available 24/7. 

Advantages: 

• Enables quick location of the vehicle if stolen
• Often provides the highest insurance premium discounts (sometimes up to 25%) 

Disadvantages: 

• High installation cost and often requires an annual subscription
• Needs a functioning battery and can be disabled by experienced thieves 

What Is the Actual Impact on Your Car Insurance Premium?

In Canada, installing an anti-theft system can lower your premium by approximately 5% to 25%. The more effective and recognized the system is by the insurer, the higher the discount. It’s essential to check with your insurer which systems are recognized to fully benefit from these discounts. When you request an auto insurance quote on ClicAssure.com, you will be asked to indicate the anti-theft systems installed on your vehicle so you can get an accurate premium calculation. 

* Many factors are considered when calculating car insurance premiums, such as vehicle type, anti-theft systems, driving history, geographic location, deductible, etc.

Considerations When Choosing Your Anti-Theft System

When selecting an anti-theft system, take the time to consult your insurer directly to find out exactly which devices are recognized and accepted. Ensure the initial investment is worthwhile by comparing the device’s cost to the potential annual savings on your premium. It is also recommended to have the system installed by a certified professional to ensure proper functionality, compliance with insurer requirements, and preservation of your vehicle’s warranty. 

Are There Any Major Drawbacks?

Aside from the initial cost, some systems require regular maintenance or a paid subscription. It’s crucial to weigh these recurring costs against the discount offered by your insurance. Additionally, some sophisticated devices can sometimes have technical issues or require an adjustment period.

Conclusion

Installing an anti-theft system is an excellent strategy for securing your vehicle and saving on your auto insurance premium in Canada. Before making a decision, consult multiple insurers through the ClicAssure.com insurance comparison tool to determine which anti-theft system will offer the best return on investment.