Compare 1998 Chevrolet Tracker Insurance Quotes

Are you overwhelmed by the number of insurance coverage options? You’re not alone. People have so many options that it can easily become a big hassle to locate the lowest price.

It’s smart to do rate comparisons quite often since insurance rates change frequently. Just because you had the best deal on Tracker coverage a year ago you can probably find a lower rate today. Don’t believe everything you read about insurance coverage on the web, but I’m going to show you the easiest ways to find cheap insurance coverage.

Finding affordable insurance is simple if you know the tricks. Just about every driver who is shopping for insurance will most likely be able to save money. But vehicle owners do need to know how big insurance companies determine prices and apply this information to your search.

How to Buy Auto Insurance Online

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The simplest method to find competitive 1998 Chevy Tracker insurance rates is to get quotes online. This can be accomplished using a couple different methods.

  1. The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for repetitive form submissions for each company. One simple form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A different way to get comparison quotes is going to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want rates from Auto-Owners, Liberty Mutual and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage limits and deductibles for each price quote. If you have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Slightly different limits could mean much higher rates. Just keep in mind that getting more free quotes gives you a better chance of getting lower pricing.

Discounts are great for lower rates

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but a few need to be inquired about before being credited.

  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can earn lower rates on the low mileage vehicles.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Tracker coverage than their less cautious counterparts.
  • Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Bundle and Save – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your premiums.

Insurance companies that possibly offer these benefits are:

Double check with each company what discounts are available to you. Savings might not apply in your state.

Why you might be paying too much to insure your Chevy Tracker

Consumers need to have an understanding of the factors that help determine insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • What are your deductibles? – Physical damage insurance, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims are collision with another vehicle, vandalism, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more you’re willing to pay, the lower your rates will be on Tracker coverage.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage when you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Poor credit can mean higher rates – Having a bad credit rating is a important factor in calculating your insurance coverage rates. People with high credit ratings tend to be more responsible than drivers with poor credit. Therefore, if your credit history can use some improvement, you could save money insuring your 1998 Chevrolet Tracker by improving your credit score.
  • Big city or small town – Being located in less populated areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Higher commute times translates into higher accident risk.

You may need specialized coverage

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether or not you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Is my teen driver covered when they drive my company car?
  • How can I find cheaper teen driver insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if my car is in a flood?
  • Exactly who is provided coverage by my policy?
  • Can I drive in Mexico and have coverage?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage basics

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Tracker.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like funeral costs, nursing services, chiropractic care, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed, hitting a deer and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Tracker resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This provides protection from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like court costs, funeral expenses, attorney fees, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

Consumers change insurance companies for any number of reasons including policy non-renewal, questionable increases in premium, being labeled a high risk driver or delays in responding to claim requests. Regardless of your reason for switching companies, finding the right car insurance provider can be less work than you think.

You just learned a lot of ways to reduce 1998 Chevy Tracker insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a smaller regional carrier.

Low-cost insurance can be purchased from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

More information is available on the following sites: