This coverage, which is not mandatory, also covers fire, vandalism and weather-related damage to vehicles, for instance: the five storms that hit the Southeast in 2005, is covered under the auto insurance policies.

Insurer Discounts: Twelve states (Florida, Illinois, Kentucky, Louisiana, Massachusetts, Minnesota, New Mexico, New York, Pennsylvania, Rhode Island, Texas, and Washington) require insurers to give car owners discounts on their comprehensive insurance for antitheft devices.

Passive devices such as ignition cutoffs, some types of alarms, and electronic auto recovery systems which are automatically activated when the car is locked and do not depend on the driver to remember to activate them may qualify for up to a 30 percent discount. Massachusetts’s residents are eligible for a minimum 25 percent discount if they have both an antitheft device (such as an alarm) and an electronic recovery system, such as MobileGuardian™.

Insurance companies in states that do not mandate discounts have also encouraged car owners to install antitheft devices by providing discounts at their discretion.

Discount percentages apply to comprehensive coverages and standard features for your car. These discounts may vary by state and province. Some discounts override others, therefore you may not qualify for all discounts. To the extent permitted by law, applicants are individually underwritten, and not all applicants qualify.