Does A Car Alarm Lower Insurance? 
It is common for insurers to promote significant discounts for car insurance alarms but the reality is the credit applies to a small portion of your coverage -LRB- comprehensive -RRB- . On an annual basis , the credit may be only $ 15-25 . For certain models considered a high theft risk , insurers may require an alarm before they will even consider providing coverage . In return for the credit , make sure you are not accepting a warranty which voids coverage if your alarm is not activated when your car is left unattended . 