The Best Car Trackers To Lower Your Insurance

In the world of car ownership, saving money is often a key factor, especially in these difficult economic times.

From fuel efficiency to maintenance costs, from styling to security, every aspect of vehicle ownership demands puts a drain on the wallet. One often overlooked area where substantial savings can be achieved is car insurance.

In the UK, where insurance premiums are mandatory but can also be pretty steep, finding ways to reduce these costs is essential.

Fortunately, advancements in technology have paved the way for innovative solutions, such as car trackers, which not only enhance security but also offer potential discounts on insurance premiums.

Let’s delve into the world of car trackers and explore some of the best options available in the UK market to help you drive down your insurance costs.

Understanding Car Trackers and Insurance Savings

Car trackers, also known as telematics devices, are sophisticated gadgets that utilise GPS technology to monitor and track the location, movement and sometimes even the behaviour of a vehicle.

Insurance companies have increasingly embraced the use of these devices to offer usage-based insurance (UBI) policies. These policies allow insurers to assess a driver’s risk profile more accurately by monitoring their driving habits, such as speed, braking and mileage.

For responsible drivers, this presents an opportunity to prove their low-risk status and consequently secure lower insurance premiums.

By installing a car tracker and agreeing to share driving data with their insurer, drivers can potentially save hundreds of pounds annually on their insurance premiums.

With the UK’s insurance costs notoriously high, such savings can significantly affect household budgets, but which trackers really help reduce those premiums? Let’s take a look at three of the best.

Benefits of Car Trackers Beyond Insurance Savings

While the potential for insurance savings is undoubtedly appealing, car trackers offer additional benefits, beyond the peace of mind they offer, that enhance the overall driving experience:

• Enhanced Security: Many car trackers come equipped with features such as real-time GPS tracking and geofencing, which can help locate and recover stolen vehicles quickly.
• Improved Driving Habits: By monitoring driving behaviour, car trackers encourage safer driving habits, reducing the risk of accidents and promoting road safety.
• Fleet Management: For businesses with vehicle fleets, car trackers provide valuable insights into driver behaviour, fuel efficiency and maintenance schedules, helping to optimise operations and reduce costs.
• Peace of Mind: Knowing that their vehicle is equipped with a tracking device can provide drivers with peace of mind, especially in high-theft areas or when lending their car to others.

1. ScorpionTrack S5 VTS

If you’re looking for a tracker that ticks all the boxes in terms of features and will also please your insurance company, then look no further than the S5 VTS from ScorpionTrack.

With the rise of increasingly elaborate workarounds to counteract the protections trackers offer, the S5 VTS has a few tricks up its sleeve.

It boasts a myriad of features to help prevent most modern theft methods such as key theft, key cloning and OBD hacking. If you’re looking for a tracker that has it all, including a way to reduce your premiums, this is it.

2. Meta Trak S5 VTS

One of the most cost-effective S5 trackers you can buy, it also meets Thatcham’s strict CAT-5 and S5 criteria meaning it’s insurance-approved and perfect to secure your vehicle.

Approved by Škoda, Seat and Volkswagen, this powerhouse of a tracker gives you access to their 24/7 Control Centre via its dedicated app and puts a whole host of notifications and alerts right in the palm of your hand.

Being an S5-rated tracker, you also get Driver ID tags which give you another level of protection. These small pieces of cutting-edge tech mean that, if they’re not in close proximity to the vehicle, it won’t start and even if it does move, both the control centre and you (vai the app) will get instant notifications.

There are few trackers but than this one, but it’s not the only one that can help reduce your premiums.

3. ScorpionTrack S7 ALS

Not only is the ScorpionTrack S5 VTS one of the best trackers you can buy right now, especially if you’re looking to reduce your insurance premiums, but it’s also one of the most cost-effective.

As you would expect from a company like ScorpionTrack, the S7 comes with a host of features to help you keep your car secure (something your insurance company will love) but, if you manage a fleet, then it also includes a host of advanced features that you’ll love to manage things like journey history, multi-vehicle tracking and geofencing.

Not only that, like it’s big brother above, it’s also manufactured in the UK to the Police Preferred Specification so you can be sure you’re getting an amazing system that both you and your insurer will love.

Keep Your Insurance Premium Down!

Car insurance premiums, especially in the UK, can be a significant financial burden, so finding ways to reduce costs is crucial.

Car trackers like those mentioned above, whilst not an exhaustive list, all offer a compelling solution by not only enhancing security but also potentially lowering your insurance premiums through usage-based insurance policies.

By monitoring driving behaviour and rewarding safe drivers, these devices empower motorists to take control of their insurance costs and drive more responsibly.

With an even wider range of options available on our website, drivers have the opportunity to choose the best car tracker that suits their needs and budget, ultimately leading to greater savings and peace of mind on the road.

These three trackers are only a small selection from the huge range of trackers we have available. If you’re not sure which is the best tracker for you, please give our team a call on 0330 043 3993 and we’d be happy to help you. We’re ready to take your call between 9 am – 6 pm, Monday to Friday.