They are all the same technology wise,companies will charge a monthly,individuals will charge a one off and both install the same gadget!
Funny both are NOT responsible after theft you only need to be lucky the thugs are foolish enough to not remove the gadget which is straight forward and easy to do.
In all cases you can track,switch off,listen in your car as long as its GPS/GSM system.
Your insurance bonus is all what matters and of course peace of mind and NOT recovery![7%].