tracker makes insurance more expensive. when i've played around with adding it. apparently its becuase insurance companies know its more likely to be found but would possibly need lots spending on it depending on damage. so they weight the insurance against trackers.
how true that is i don't know, but from experimenting it doesn;t make it cheaper.
also if it was a 50k car i'd be more inclined. but the zeds a sub 10k car now and although its a great car its not really been a major crime target, unlike things like BMWs are at the moment.