Save on 1998 Chevrolet Tracker Insurance Quotes

Have you fallen victim to an overpriced car insurance policy? Trust us, many consumers feel financially strained by their car insurance policy. Consumers have many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

Buying car insurance is quite easy. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Vehicle owners just need to know how to get comparison quotes over the internet.

How to Compare Car Insurance

Finding lower car insurance rates is a fairly straight forward process. The only thing you need to do is take a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The single most time-saving way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quotation requests to each individual car insurance company. Filling out one form will get you price quotes from all major companies.

A more difficult way to get quotes online is to take the time to go to the website for each individual company to complete a price quote. For example, we’ll assume you want to compare USAA, Allstate and Liberty Mutual. To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The least efficient way to get comparison rates is driving around to local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. Drivers can comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever method you choose, make absolute certain that you use the exact same coverages and limits for each comparison quote. If each company quotes different values for each quote you can’t possibly truly determine the lowest rate.

Chevy Tracker insurance rates are influenced by…

Smart consumers have a good feel for the different types of things that help determine insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get better insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Men fork out a little more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes have accidents at about the same rate, but the men cause more damage. Men also statistically receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • No coverage gaps is important – Allowing your coverage to lapse will be a guaranteed way to bump up your insurance costs. Not only will rates go up, getting caught without coverage might get you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Bad driving skills means higher rates – Even a single speeding ticket may increase your cost by twenty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your insurance policy. It means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • The more you drive the more you pay – The more you drive each year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Tracker may be wasting your money.
  • More claims means more premium – If you are a frequent claim filer, you can definitely plan on higher rates. Companies award lower rates to insureds who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
  • More than one policy can earn a discount – The majority of insurance companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to compare rates to ensure the best deal.

Discounts can save BIG

Companies that sell car insurance don’t necessarily list every discount very well, so we break down some of the best known and the more hidden insurance coverage savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Memberships – Being a member of a professional or civic organization could qualify you for a break when shopping for insurance coverage for Tracker coverage.
  • Resident Student – Any of your kids who live away from home and do not have a car can receive lower rates.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Defensive Driver – Taking a driver safety course can save you 5% or more if your company offers it.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Senior Citizens – Older drivers can possibly qualify for a discount up to 10% for Tracker coverage.
  • Own a Home – Owning a house can save you money because maintaining a house requires personal responsibility.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save up to 20% off your total premium.

It’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance coverage discounts, click here.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions might point out whether or not you may require specific advice.

  • Does liability extend to a camper or trailer?
  • What discounts do I qualify for?
  • What vehicles should carry emergency assistance coverage?
  • What happens if I owe more than my 1998 Chevy Tracker is worth?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover a custom paint job?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Tracker.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical services, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, rehabilitation expenses, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This pays for damage to your Tracker caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Pennies from heaven

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

In this article, we covered many ways to lower your 1998 Chevy Tracker insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

More information can be read at the links below