How do I know if my car has an immobiliser?

I've heard I can get a discount if my car has an immobiliser, but how do I check it? Also, do I need to tell my insurance?

Answer
Almost all new cars have a type of immobiliser built-in. Essentially, this means that the car engine will not start until an electric signal unlocks it. This electric signal is part of your key.
Modern keys and key fobs have this electric signal built-in, so once you come near your car, it will unlock it. This also means that once you open your vehicle and have your fob on you, it will unlock the engine so you can be on your way.
You probably have an immobiliser if you can start your car without inserting an actual, old-school key.
Sometimes previous owners might have this removed, so if you have an older car or a used car, you might not have it. But you can ask your local mechanic to install one to get that anti-theft device discount.
If you want to find more ways to save on car insurance, check out the Jerry app. Jerry gathers personalized quotes from top providers, like Nationwide and Allstate, and delivers the best deals to your phone in minutes. The average Jerry driver saves $879 a year on car insurance!
Lauren Smith
Answered on Oct 22, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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