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This is probably a very silly question, but if I get an alarm installed in car (which doesn't have one fitted atm) would that actually lower my insurance premium or not?
Almost certainly not. Alarms/Immobs/Trackers are generally a requirement for higher end vehicles rather than a discount for lower end cars. I'm sure someone will tell me I'm wrong and that they got a discount after fitting a cobra or such with some company, but as a rule, it shouldnt make any difference to quotes.