[RAZOR]

Sal, Lo Jack has no monthly fees,just initial cost that includes installation, which is around $700.00 for basic unit. It is the only system that is monitored by the police. It is very reliable and accurate in finding a stolen car. I believe NJ mandates a reduction in insurance on any car equipped with Lo Jack, each state is different here in Ohio there is no big break, and your Ins. agent would be the best one to ask. You can even get a option that calls your cell or home phone if the car is started by some one other than yourself. This way you know immediately,even if you are out of town.Hope this helps.