Vehicle Recovery Discount: How Much Can You Save?

If you use a vehicle recovery system like LoJack, OnStar, or an automaker system, you could earn a vehicle recovery discount on your auto insurance policy. Drivers save 15% on average by qualifying for vehicle recovery discount auto insurance rates. However, your affordable vehicle recovery discount auto insurance may only apply to comprehensive policies and not your state-mandated liability insurance.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Aug 24, 2021

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Can't-Miss Facts

  • 21 national auto insurance providers offer vehicle recovery discounts to drivers
  • Customers save an average of 15% on their annual premiums by earning this discount
  • To qualify, you must use an approved vehicle recovery tracking system to prevent auto theft

You could earn a vehicle recovery discount on your auto policy if you use a vehicle recovery system through your automaker or an independent service like LoJack or OnStar.

Drivers save an average of 15% on their premiums by earning this deal, but typically the rate reduction only applies to comprehensive policies.

Keep reading to discover how safety discounts like this one can help reduce your auto insurance rates regardless of your age, driving record, and coverage needs.

After learning how to buy vehicle recovery discount auto insurance, remember to enter your ZIP code into our free quote tool above to compare rates from the best providers in your area immediately.

What auto insurance companies offer a vehicle recovery discount to drivers?

You can earn a vehicle recovery device discount from 21 national auto insurance providers.

Because it is such a standard deal, this is one of the auto insurance discounts to ask for if you’re shopping around for coverage.

Customers save an average of 10% on their premiums with this deal, but typically the reduction only applies to comprehensive policies.

Take a look at a complete list below to verify if you already use a vehicle recovery discount auto insurance company:

Local agencies near you might also provide this savings opportunity to drivers. Also, not every company is active or available in every region.

Your age, driving record, and the auto insurance laws where you live also influence your annual auto insurance costs.

So it’s possible that a company offering you vehicle recovery discount auto insurance rates might not be your cheapest option.

Therefore, you should compare quotes online from multiple providers and ask about additional auto insurance discounts to secure your best prices.

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What is a vehicle recovery auto insurance discount?

Vehicle recovery discounts are safety discounts because you’re actively reducing your risk of falling victim to auto theft.

According to the National Highway Traffic Safety Administration (NHTSA), a vehicle recovery system not only helps reveal the location of stolen cars, but it can even help police catch the thief in the act.

But because vehicle recovery systems only reduce your chances of auto theft, the rate reduction only applies to comprehensive policies.

If you do not purchase comprehensive insurance, you most likely will not qualify for vehicle recovery discounts.

How do these systems work? Typically, it’s a combination of a GPS transmitter in the vehicle and cellular technology working together to track where the car is located.

However, this means there are technical limitations. For example, your car cannot be detected if stored in a concrete structure because the concrete blocks the necessary satellites’ sightlines.

Ultimately, this type of system is considered a passive disabling device. So what’s the difference between active versus passive disabling devices?

Passive devices are armed automatically once the vehicle is turned off, including vehicle recovery technology. But active devices require you to physically turn something on each time to protect your car.

Other types of auto insurance discounts to ask for include:

  • Anti-theft discounts
  • Defensive driver discount
  • Good driver discount
  • Good student discount
  • Military discount
  • Multi-car discount
  • Multi-policy discount
  • Occupational discount
  • Passive restraint discount
  • Safe driver discount
  • VIN etching discount

Looking for other auto insurance discount tips? First, know that most discounts are not applied automatically to your policy, including vehicle safety discounts.

So never hesitate to reach out to an agent and ask about savings you believe you should receive.

Also, state laws sometimes require companies to offer you specific discounts. But this also means other discounts may be unavailable to you.

Finally, discounts can have a cap or limit through some providers. In other words, you can only save so much in total on your annual premiums.

Vehicle Recovery Discount: The Bottom Line

Vehicle recovery technology helps minimize your chances of falling victim to auto theft, saving you money even if you don’t earn an insurance discount.

But if you use a recovery system and are insured by the providers listed above, ask about receiving this discount on your auto policy.

Remember to shop around and compare rates online to verify that you’re still paying your best possible prices.

Now that you’ve learned about affordable vehicle recovery discount auto insurance quotes, secure the best coverage for you by entering your ZIP code into our free rate tool below.

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Enter your ZIP code below to compare auto insurance rates.

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