# How To Get GPS Tracking Insurance Discounts > Can a GPS tracker lower your insurance? How to ask for a GPS tracking discount, what to tell your agent, and a free form to send with your request. Canonical: https://gpsleaders.com/blog/how-to-get-gps-tracking-insurance-discounts Last updated: 2026-11-10 Fleet Tracking ## How To Get GPS Tracking Insurance Discounts Can a GPS tracker lower your insurance? How to ask for a GPS tracking discount, what to tell your agent, and a free form to send with your request. By [Nick Muratore](https://gpsleaders.com/about) GPS Veteran & CEO, GPS Leaders·August 19, 2020·3 min read ![How To Get GPS Tracking Insurance Discounts | GPS LEADERS](https://gpsleaders.com/_emdash/api/media/file/491e478f0c9b3cb52bfe0b1463d132cd.jpg) GPS Tracking is not one of those nice to have accessories in your car. It’s now a necessity that all vehicles should have. GPS tracking devices, systems, and the whole technology has never been this affordable and easy to install and use. Small and big businesses are now in constant look for the best GPS tracking systems that can help lower auto-insurance costs. ### Quick answer Many insurers offer a discount for an anti-theft or GPS tracking device, but you usually have to ask for it. Tell your agent the tracker is installed, and send the details they need: your policy number, the vehicle, the VIN and the install date. Our free [insurance discount form](https://gpsleaders.com/forms/insurance-discount-form.pdf) puts all of that on one page, ready to send. ### Why insurance companies love GPS tracking systems Insurance companies encourage safer driving; they want to reduce their overall expenses in compensations and legal proceedings. Consequently, they encourage every individual or business to have a GPS tracking system installed on their vehicles. Most insurers offer discounts up to 15% off the insurance costs for just implementing GPS tracking solutions by GPS Leaders. In a few instances, the insurance company will even pay you to install GPS tracking technology on your business vehicles. If this is what you’ve been looking for, read below for the practical ways that GPS tracking helps you get GPS tracking Insurance discounts. #### Low chances of claims due to vehicle theft GPS tracking makes it very easy for the police to recover stolen vehicles, which reduces insurance claims. Without GPS tracking technology, most stolen vehicles are never recovered, which now means more costs to the insurer and the insured. The insurance company is very likely to pay a huge claim, which could obviously be avoided by installing GPS tracking Insurance Discount Devices by GPS Leaders. Proper maintenance to reduce instances of accidents GPS tracking technology informs the owner when it’s time for maintenance. This highly drops instances of accidents and vehicle malfunction. A car suffering a mechanical malfunction is in an increased risk of causing an accident. This accident can attract large claim payments from the insurance company. Installing GPS tracking systems from GPS leaders helps you secure up to 30% discount on your car insurance premiums. The GPS tracking Insurance discount amount depends on your provider, but most providers give an average discount on the insurance of between 10% – 30%. Check on GPS Leaders to view eligible insurance providers. Insurance cost-saver considerations When your car is getting insured, there are a couple of considerations that your provider takes into account before developing a quote for a full coverage insurance policy. Some of the considerations include age and the properties you have insured with the provider and any previous claims or accidents. The provider is also forced to consider whether you have an active potential theft recovery GPS tracking device in the car. In many instances, the cost of purchasing GPS tracking devices for your business vehicles is around $300, which can be quickly recovered by the Insurance discount. Remember, a GPS tracking device is a once-off cost. Thinking of the insurance excess on the policy, you will realize that one claim will be more than the cost of buying and installing GPS tracking devices. This means that even if the GPS tracking system saves you once, it pays itself twice; the first time is on not making a claim because the vehicle is recovered, and the other one is on reduced insurance premium. ### How to ask for a GPS tracking discount 1. **Call your agent first.** Ask whether they discount for anti-theft or GPS tracking devices, and what proof they need. 2. **Install the tracker.** 3. **Send the proof.** Fill in the [insurance discount form](https://gpsleaders.com/forms/insurance-discount-form.pdf) and send it to your agent, with your invoice if they ask for one. 4. **Check your next bill.** Make sure the discount shows up, and ask again at renewal if it doesn't. Running a fleet? Ask your insurer about [fleet tracking](https://gpsleaders.com/fleet-tracking) too. Some carriers look at driver behavior data, not just theft protection. ### Questions #### How much is a GPS tracking insurance discount? It depends on your insurer, your state and your policy. Your agent can tell you their number. #### Do I need a specific tracker? Insurers usually care what the device does (live location and theft recovery), not the brand. Ask your agent what they need to see. #### Is the discount automatic? Usually not. Most insurers apply it only after you tell them about the device and send proof. Fleet Tracking ### Run your fleet on real numbers Live location, driver behavior, idle time, and maintenance in one place — built for small business owners, not enterprise telematics teams. [See fleet tracking](https://gpsleaders.com/fleet-tracking) [Request a quote](https://gpsleaders.com/request-a-quote?from=blog-post) [](https://gpsleaders.com/fleet-tracking) The tracker for this #### Fleet Tracking — OBD2 Plug-In 1-Minute DIY Install $69$149+ $15.98/mo service, billed separately Qty [See the page →](https://gpsleaders.com/fleet-tracking) Most orders ship same day · US only · 3-year warranty Opt in #### Nick's notes, by email. One email when there's something worth knowing: a recovery that worked, a rule that changed, a number that surprised us. No drip campaigns. ![Nick Muratore](https://gpsleaders.com/team/nick-muratore-160.webp) [Nick Muratore](https://gpsleaders.com/about) GPS Veteran & CEO, GPS Leaders Nick Muratore is the founder and CEO of GPS Leaders, a vehicle intelligence company he established in 2015 and continues to lead from California. Over a 32-year career he has evaluated more than 120 GPS hardware and software products, developing the comparative expertise that underpins the company's approach: recommending systems on evidence of field performance rather than specification. Under his direction GPS Leaders serves vehicle finance, dealership, rental, fleet and equipment operators nationwide, on a model built around transparent pricing, no annual fees, and owner-level accountability. Fleet Tracking ### Run your fleet on real numbers Live location, driver behavior, idle time, and maintenance in one place — built for small business owners, not enterprise telematics teams. [See fleet tracking](https://gpsleaders.com/fleet-tracking) [Talk to a GPS Expert →](https://gpsleaders.com/talk) [](https://gpsleaders.com/fleet-tracking) While you read #### Fleet Tracking — OBD2 Plug-In 1-Minute DIY Install $69$149+ $15.98/mo service, billed separately Qty [See the page →](https://gpsleaders.com/fleet-tracking) Most orders ship same day · US only · 3-year warranty Opt in #### Get the next one before it's on the site. One email when there's something worth knowing: a recovery that worked, a rule that changed, a number that surprised us. Written by Nick, sent when it's ready. ### Keep reading · fleet tracking [All articles →](https://gpsleaders.com/blog) [Fleet Tracking What Is a Geofence? How Vehicle Geofence Alerts Work](https://gpsleaders.com/blog/what-is-a-geofence)[Fleet Tracking How to Calculate Fuel Surcharge for Trucking](https://gpsleaders.com/blog/how-to-calculate-fuel-surcharge)[Fleet Tracking Trailer GPS Tracker: Solar, Battery or Hardwired?](https://gpsleaders.com/blog/trailer-tracking-device-guide)[Fleet Tracking California Fleet Tracking: Costs and Safety](https://gpsleaders.com/blog/fleet-tracking-in-california-guide) Before you go ### Tell us what you finance, rent or run, and we'll tell you what to put in it. Your count, your current provider, and where the vehicles go. A GPS Expert answers with the tracker, the term, and the volume pricing. [Talk to a GPS Expert](https://gpsleaders.com/talk) [Compare the trackers](https://gpsleaders.com/bhph-tracking/compare)