1998 Chevrolet Tracker Insurance Quotes

Buying lower-cost insurance might appear somewhat difficult for people that are not comfortable with quoting and shopping for insurance online. With literally dozens of insurers to choose from, how can drivers have the ability to compare every possible option in order to find the cheapest price possible?

Smart consumers take time to price shop coverage every six months since insurance prices go up and down regularly. Even if you think you had the lowest price on Tracker coverage on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

How your Tracker insurance costs are determined

Consumers need to have an understanding of some of the elements that help calculate your car insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that can help you get lower premium levels. Many things are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving record, but other factors are more transparent like where you live and annual miles driven.

The following are some of the factors used by insurance companies to determine prices.

• Single drivers take more risk – Having a wife or husband can actually save you money compared to being single. Having a spouse usually means you are more mature than a single person and it’s proven that married drivers tend to file fewer claims.
• Insurance costs and driver gender – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both genders have fender benders at about the same rate, but guys tend to have more serious accidents. Men also have more aggressive citations like DWI (DUI) or reckless driving. Male teenagers cause the most accidents and are penalized with high car insurance rates.
• Drive lots and pay more – The higher the mileage driven every year the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles not used for work or commuting get more affordable rates than those that get driven frequently. Improper usage on your Tracker can cost quite a bit. Verify your declarations sheet is rated on annual mileage.
• Never let your policy expire – Having a gap between insurance policy dates will be a guaranteed way to drive up your policy premiums. In addition to paying higher rates, the inability to provide proof of insurance will get you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Premiums and your address – Residing in less populated areas can be a good thing when shopping for auto insurance. Drivers who live in large cities regularly have more aggressive driving styles and much longer commute distances. Fewer drivers corresponds to lower accident rates.
• Improve your credit rating – Credit score is a large factor in determining premium rates. Insureds that have good credit tend to be more responsible and file fewer claims as compared to drivers with poor credit. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 1998 Chevrolet Tracker by spending a little time repairing your credit.
• Prices and job – Occupational choices like military generals, executives and emergency personnel generally pay higher average rates because of intense work situations and lots of time spent at work. Other careers like scientists, historians and homemakers pay the least on Tracker coverage.

Earn discounts to get lower-cost insurance rates

Some insurance providers don’t always publicize every available discount very clearly, so the list below contains both well-publicized and the harder-to-find savings tricks you should be using when you buy auto insurance online.

• Passive Restraints and Air Bags – Options like air bags may get savings of 20% or more.
• Clubs and Organizations – Affiliation with a civic or occupational organization is a simple method to lower premiums on your policy.
• Buy New and Save – Insuring a new car may earn a small discount because new model year vehicles are generally safer.
• Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will forgive one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Distant Student – Children who live away from home at college and do not have a car may be able to be covered for less.
• Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally until age 25.
• Life Insurance Discount – Companies who offer life insurance give lower premium rates if you buy life insurance.
• Low Miles Discount – Keeping the miles down on your Chevy could be rewarded with substantially lower rates.
• Multi-Vehicle Discounts – Buying coverage for all your vehicles on a single policy could earn a price break for each car.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Companies who may offer these discounts possibly include:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before buying, ask every prospective company which discounts they offer. A few discounts might not apply in your state. If you would like to view providers who offer free insurance quotes, click here.

Insurance savings promises

Allstate and Progressive consistently run ads in print and on television. All the ads make the same claim about savings just by switching your coverage to them. How does each company sell you cheaper insurance coverage? This is the trick they use.

All companies provide the lowest rates for the type of customer that earns them a profit. For instance, a profitable customer could be between 30 and 50, has a low-risk occupation, and drives less than 10,000 miles a year. Any customer who fits those characteristics will get the preferred premium rates as well as save money with a new company.

People who don’t measure up to this ideal profile may be forced to pay higher prices which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make claims like that. Because of this risk profiling, you absolutely need to compare as many free auto insurance quotes as you can. Because you cannot predict with any certainty which company will have the lowest rates.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

• Do I need higher collision deductibles?
• Is my babysitter covered when using my vehicle?
• When can my company non-renew my policy?
• Does coverage extend to my business vehicle?
• Am I covered when driving a rental car?
• Do I need roadside assistance coverage?
• What can I do if my company denied a claim?
• Am I covered when driving on a suspended license?
• How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a Chevy Tracker

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, theft and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, medical expenses, funeral expenses, medical services and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Tracker resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Tracker.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, pain medications, doctor visits, hospital visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

We just covered many ways to shop for 1998 Chevy Tracker insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost auto insurance. Consumers could even find that the biggest savings come from the least-expected company.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

There are still a few companies who may not provide online rate quotes and these regional carriers prefer to sell through independent agencies. Budget-friendly insurance coverage is available both online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Additional information can be read below:

• Understanding Limits and Deductibles (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Teen Driving Statistics (Geico)