Does Onstar Lower Insurance?

Are you looking for ways to save money on your auto insurance rates? Have you considered using Onstar? Onstar is a system that offers various services including navigation, roadside assistance and remote vehicle control. But does it also lower your insurance premiums? In this blog post, we will explore the benefits of Onstar and whether or not it can help you reduce your insurance costs. So buckle up and let’s dive into the world of Onstar!

What is Onstar?

Onstar is a telematics system developed by General Motors that provides various features to enhance your driving experience. The system was first introduced in 1996 and has since evolved into an all-encompassing service for drivers.

One of the key features of Onstar is its ability to provide emergency assistance. In case of an accident, the system can automatically notify emergency services and send them your location. This feature can be a lifesaver in critical situations where you might not have access to your phone or are unable to make a call.

Onstar also offers roadside assistance to help with vehicle breakdowns, flat tires or other issues that may arise while on the road. With just one press of a button, you’ll be connected with an Onstar advisor who will assist you in finding help nearby.

Another benefit of Onstar is its navigation system which provides turn-by-turn directions and real-time traffic updates for easier travel planning. The system also allows remote control over some vehicle functions such as unlocking doors, starting the engine remotely or even honking the horn if needed.

Onstar offers peace of mind for drivers through its range of safety and convenience features.

How Does Onstar Work?

OnStar is a subscription-based service that uses cellular and satellite technology to connect drivers with a wide range of features, including emergency services, navigation, diagnostics and more. To use OnStar, you need to have a compatible vehicle equipped with an OnStar system.

Once you activate your service plan, you can access the features by pressing the blue button on your rearview mirror or using the OnStar app on your smartphone. The OnStar Advisor will then assist you with whatever service you require.

For instance, if there’s an accident or medical emergency while driving, simply press the red SOS button to contact an Emergency advisor who will dispatch help immediately.

The diagnostic feature allows users to check their car’s maintenance status remotely through their smartphones without having to visit a mechanic shop. Additionally, navigation services provide real-time updates about traffic condition and suggest alternative routes in case of congestion

Onstar works seamlessly behind-the-scenes as it connects drivers with crucial automotive assistance at all times possible.

Does Onstar Lower Insurance Rates?

Onstar is one of the most popular in-vehicle safety and security systems available today. It comes with a range of features that enable drivers to stay safe and secure on the road while also providing them with added convenience. However, many people are curious about whether Onstar can lower their insurance rates.

The answer to this question isn’t straightforward since it depends on various factors such as your insurer, state regulations, driving habits, etc. Generally speaking, having an Onstar system installed in your car may not necessarily lead to a direct reduction in your insurance premiums.

That said, some insurers do offer discounts for vehicles equipped with advanced safety features like those offered by Onstar. Having such features could reduce the likelihood of accidents or thefts which means less risk for insurers thereby making you eligible for some savings.

Ultimately though, it’s essential to talk with your insurance company directly about any potential discounts they might offer specifically related to an Onstar subscription before assuming that there will be any financial benefits associated with adding this feature.

How to Get Onstar

Getting Onstar is a simple process that can be done in a few easy steps. First, you need to determine if your car is compatible with Onstar services. Most GM vehicles manufactured after 2004 come equipped with Onstar technology.

If your car is compatible, the next step is to choose an Onstar plan that fits your needs. There are several plans available depending on the level of service you require. Plans range from basic safety and security features to comprehensive navigation and diagnostic services.

Once you have chosen a plan, you can sign up online or by calling the Onstar customer service hotline. You will be asked for personal information such as name, address, and payment details.

After signing up, an activation signal will be sent to your vehicle’s onboard computer system. This signal should activate all of the features included in your chosen plan.

Getting Onstar installed in your vehicle is a straightforward process that can offer peace of mind knowing that help is just a button push away in case of emergencies or accidents on the road.

Onstar Alternatives

While Onstar is a widely recognized name in the vehicle connectivity and safety services market, there are other alternatives available for those who may not want to subscribe to their service. One alternative is Automatic Pro, which offers similar features such as crash detection, roadside assistance, and real-time vehicle tracking.

Another option is Hum by Verizon, which provides users with diagnostic information about their vehicle’s performance along with emergency response services like automatic collision notification and stolen vehicle assistance. Additionally, Vyncs GPS Tracker delivers real-time location data through a smartphone app while also offering driver behavior monitoring.

For those looking for a more affordable solution, apps like DashCommand or Torque Pro can be used alongside an OBD-II scanner to get engine diagnostics directly on your phone. Some car manufacturers have their own connected car systems such as BMW ConnectedDrive and Mercedes-Benz mbrace.

It’s important to research multiple options before deciding on the best fit for you and your specific needs when it comes to connected car services.


Onstar is an innovative technology that has revolutionized the way we drive. It provides a range of services, from automatic crash response to turn-by-turn navigation and roadside assistance. While it does not directly lower insurance rates, having Onstar installed in your vehicle can help you qualify for discounts with certain insurance providers.

However, before signing up for Onstar or any other similar service, it’s important to do your research and consider all options available to you. There are alternative technologies on the market that offer similar benefits to OnStar while being less expensive.

Ultimately, whether or not you decide to use OnStar will depend on your individual needs and budget. If you value safety and convenience while driving, then investing in this technology may be worth considering. Just remember that while it won’t necessarily lower your insurance rates outright, it could still save you money over time by preventing accidents and reducing repair costs.