You can get a LoJack insurance discount in most states by telling your insurer that you have LoJack and asking for an anti-theft device discount. LoJack discounts usually range from 5% to 25% off your comprehensive coverage, varying by state and company.
LoJack is a technology that emits a certain radio frequency when activated by law enforcement, which helps police recover your car if it’s stolen. As a result, having LoJack can qualify you for an anti-theft discount because your insurer is less likely to have to pay for a stolen car.
Major Companies with Anti-Theft Discounts
While these companies advertise anti-theft discounts on their websites, they do not specify a particular type of anti-theft device needed to qualify. However, LoJack is likely to count. For example, New Jersey requires all insurers to provide discounts to drivers whose cars have certain anti-theft devices, and the state specifically includes vehicle recovery systems that communicate with the police on the list of eligible devices.
In the past, Progressive has offered specific LoJack discounts and even rebate programs, which refund the customer for a portion of the cost of installing LoJack. So if you’re thinking about getting LoJack and have Progressive, it’s worth keeping an eye out for special incentives.
Regardless of the insurance savings, LoJack can be a smart purchase, especially if you live in a high-risk area or your car is particularly attractive to thieves.
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