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25th February 2025
If you’re eager to lower your car insurance premiums, there’s an increasingly popular and simple solution: installing a GPS tracker. Many car insurance providers are now offering discounts to customers who equip their vehicles with GPS tracking systems. Not only do these devices provide safety benefits, but they also allow insurers to assess the risk associated with each policyholder more accurately.
In this blog, we’ll dive deeper into the reasons why installing a GPS tracker can lead to a car insurance discount for GPS tracking and explore the added advantages that come with it.
A GPS tracker is a small device installed in your vehicle that uses Global Positioning System technology to track your car’s real-time location. The tracker transmits location data to a monitoring centre or directly to your insurance provider. This data helps insurers assess various risk factors such as how safely you drive, the areas you frequent, and the likelihood of theft. The installation of GPS tracking devices has become a powerful tool for both insurance companies and policyholders looking to secure better deals on car insurance premiums.
For example, when a car is reported as stolen, the GPS device can pinpoint its exact location, allowing law enforcement to act swiftly and increase the chances of recovery. This added layer of protection reduces the insurer’s potential payout in the event of a theft, and they reward you with a discount. The higher the chances of recovering your vehicle, the lower the perceived risk, which directly translates into lower premiums.
In fact, some insurance providers offer discounts up to 20% for vehicles fitted with an approved GPS tracker, reflecting the reduced risk of theft. Furthermore, certain GPS devices come with features that help monitor the condition of the vehicle, such as tracking battery levels, which further reduces potential claims.
GPS tracking devices often come equipped with telematics, which not only tracks your car’s location but also monitors your driving behaviour. Through telematics, insurers can access detailed data on things like speed, acceleration, braking, cornering, and even how often and how far you drive. This data enables them to assess your driving habits more accurately.
For example, if you tend to drive within speed limits, avoid harsh braking, and take fewer risks on the road, you may be eligible for a "safe driver" discount. This is because insurers know that safer driving habits are less likely to lead to accidents, which means fewer claims. In turn, insurers reward responsible drivers with lower premiums as an incentive to continue practicing safe driving.
For young drivers or those with a less-than-perfect driving history, a GPS tracker can serve as a tool for improvement. By using the data provided by the device, you can identify areas for improvement and develop safer driving habits, ultimately lowering your insurance costs.
If you’re someone who drives infrequently or covers a small amount of mileage each year, a GPS tracker can be an excellent way to prove this to your insurer and qualify for a low-mileage discount. Generally, vehicles that travel fewer miles are statistically less likely to be involved in accidents, and insurers take this into account when setting premiums.
Having a GPS tracker in your vehicle offers a way to demonstrate your driving habits and mileage with real, verifiable data. Insurers are more likely to offer discounts to drivers who don’t use their cars regularly, knowing that their risk is lower. In some cases, a simple kilometre-tracking GPS device could lead to substantial savings if your car is rarely on the road.
GPS tracking allows insurers to create a more personalised insurance plan based on the actual usage of the vehicle. Rather than using generic data, such as the driver’s age or location, insurers can tailor policies to reflect real-time usage patterns, making the premium more reflective of the actual risk.
For example, if you frequently drive at night or in high-risk areas, your insurance premium may be higher. Conversely, if your driving habits show that you are cautious and often use your car during off-peak hours, your premium could decrease. With a GPS tracker in place, insurers can more accurately assess the individual risk associated with your driving habits and offer you a more competitive premium.
While car insurance discounts are a major draw, GPS tracking systems provide a wide array of other benefits that contribute to your overall driving experience.
The peace of mind that comes with knowing your car can be tracked in real-time is invaluable. If your car is stolen, the GPS tracker ensures that you have the best possible chance of recovering it. Even if your vehicle is involved in an accident, some GPS systems can alert emergency services, reducing response times and potentially saving lives.
Additionally, many GPS devices have geofencing capabilities. If your vehicle enters or leaves a predefined area, you receive instant notifications. This can be especially useful for families or businesses that need to monitor the whereabouts of their vehicles.
Modern GPS trackers, whether they be a S5 vehicle tracker or S7 trackers, go beyond location tracking by offering maintenance monitoring. Some systems are designed to send reminders when your vehicle needs servicing or alert you to any mechanical issues. This helps ensure that your car is always in optimal condition and can potentially save you from expensive repairs in the future.
When combined with the ability to track fuel efficiency and driving behaviours, maintenance tracking makes it easier for you to stay on top of your vehicle’s health and reduce the likelihood of breakdowns. Keeping your vehicle well-maintained not only lowers the risk of accidents but can also positively influence your insurance premium.
A car that comes equipped with a GPS tracker may be more attractive to potential buyers. When selling a vehicle, having a GPS tracker installed can provide an added layer of security for the new owner. The ability to track a vehicle’s movements or monitor driving patterns adds value in the eyes of many buyers, potentially leading to a higher resale price.
Additionally, the records from your GPS system can show the vehicle’s usage history, offering transparency that may reassure potential buyers. This can make your car stand out from others on the market and increase its resale value.
To unlock the full benefits of car insurance discounts, it’s important to choose a GPS tracker that meets the approval standards of your insurer. Not all GPS devices are eligible for discounts, so ensure you select a tracker that is recognised by your insurance provider.
At SAS Mobile, we offer a range of insurance-approved vehicle trackers that not only help you save on insurance premiums but also provide a variety of additional security and maintenance features. These systems are designed to help you protect your vehicle, save money, and keep your car in peak condition.
Installing a GPS tracker is a simple and effective way to reduce your car insurance premiums. From reducing the risk of theft and encouraging safer driving habits to providing evidence of low mileage, a GPS tracker can help you save money and improve the safety of your vehicle.
If you're looking to benefit from these discounts and gain all the added advantages of GPS tracking, visit SAS Mobile to explore our range of insurance-approved vehicle trackers. Start saving on your premiums today while enjoying the security and peace of mind that come with advanced GPS tracking technology.
