1999 Chevrolet Tracker Car Insurance Cost

Pretty sure you bought overpriced auto insurance? You’re in good company because there are lots of people in the same boat.

People have multiple insurers to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

Cheap insurance coverage price quotes

To find cheap car insurance quotes, there are several ways of comparing rate quotes from many insurance coverage companies in your state. The easiest way by far to compare rates is to jump online and get quotes. This can be done in a couple of different ways.

• The single most time-saving way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons from insurance coverage companies with the best prices.
• A less efficient way to find lower rates is to manually visit each company’s website and repeat the quote process. For examples sake, we’ll pretend you want to compare prices for Auto-Owners, Safeco and Geico. To get each rate you have to go to each individual site and repeatedly type in your coverage information, and that’s why the first method is more popular.

  For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the exact same quote data with each company. If your comparisons have unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Just a small difference in coverage limits may cause a big price difference. It’s important to know that comparing more rates from different companies helps increase your odds of locating more affordable rates.

Do you qualify for discount auto insurance?

Some insurers don’t always list all their discounts in an easy-to-find place, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that may apply to you.

• Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Tracker insurance as compared to drivers with claims.
• Early Signing – Some companies provide a discount for buying a policy before your current coverage expires. The savings is around 10%.
• Defensive Driver Discount – Completing a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
• Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Bundle and Save – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.

Don’t be shocked that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck.

Companies and some of the premium reductions they offer can be read below.

• Geico discounts include anti-theft, anti-lock brakes, defensive driver, driver training, and five-year accident-free.
• Travelers has discounts for driver training, home ownership, save driver, multi-policy, and payment discounts.
• Nationwide offers discounts including business or organization, easy pay, anti-theft, multi-policy, and family plan.
• Farmers Insurance offers discounts for pay in full, teen driver, business and professional, multi-car, electronic funds transfer, bundle discounts, and alternative fuel.
• Esurance policyholders can earn discounts including online shopper, defensive driver, paid-in-full, safety device, good driver, and multi-car.
• State Farm offers premium reductions for passive restraint, safe vehicle, good driver, student away at school, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
• Progressive may offer discounts for online quote discount, online signing, good student, multi-policy, continuous coverage, multi-vehicle, and homeowner.
• Mercury Insurance may include discounts for multi-car, good student, age of vehicle, low natural disaster claims, multi-policy, ease of repair, and location of vehicle.

Check with each company the best way to save money. All car insurance discounts may not apply to policyholders everywhere. For a list of providers who offer online auto insurance quotes, click this link.

How do car insurance companies determine Chevy Tracker insurance rates?

Consumers need to have an understanding of the rating factors that help calculate insurance rates. If you understand what determines base rates, this enables you to make decisions that could result in better insurance rates. Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable such as your driving history, but others are more obscure such as your marital status or how financially stable you are.

• Multiple policies with one company – Most larger insurance companies apply lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still comparison shop to help ensure you have the lowest rates. You may still be able to save even more even if you have your coverage with different companies
• Rural vs Urban Areas – Living in areas with lower population has definite advantages when talking about insurance. Fewer drivers on the road means less chance of accidents. Drivers in populated areas tend to have traffic congestion and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
• Cheaper rates with high coverage deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Chevy. Some examples of claims that would be covered are running into the backend of another car, vandalism, and having your car stolen. Comp and collision deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more damage repair cost you have to pay, the less your insurance will be for Tracker insurance.
• Policy add-ons could be costing you – There are a ton of extra add-on coverages that may not really be needed on your insurance policy. Coverage for things like vanishing deductibles, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing initially, but if you’ve never needed them in the past get rid of them and save.
• Minor frequent insurance claims are not good – If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Insurance companies generally give the lowest premiums to drivers who only file infrequent claims. Auto insurance is intended for claims that pose a financial burden.
• Deter theft and pay less – Choosing to buy a car that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.
• Premiums are affected by your credit rating – Having a good credit score can be a huge factor in determining what you pay. People that have excellent credit scores tend to be less risk to insure than drivers who have bad credit. If your credit history is not that good, you could save money insuring your 1999 Chevrolet Tracker by repairing your credit.
• Youthful drivers are expensive to insure – Beginning drivers are statistically shown to be less responsible behind the wheel therefore insurance rates are much higher. Having to add a youthful driver to your policy can increase premiums substantially. More experienced drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.

What insurance coverages do I need?

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover whether your personal situation would benefit from professional advice.

• Is my trailer covered?
• Do I have coverage when making deliveries for my home business?
• Does liability extend to a camper or trailer?
• At what point should I drop full coverage?
• How much liability do I need to cover my assets?
• Exactly who is provided coverage by my policy?
• Is my teenager covered with friends in the car?
• Should I waive the damage coverage when renting a car?
• Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $486 a year? Really?

Big name companies like Allstate, Geico and Progressive regularly use ads on TV and radio. All the ads make the point about saving some big amount if you get a free car insurance quote and switch your coverage to them. How do they all make the same claim? It’s all in how they say it.

Different companies have specific criteria for the type of driver they prefer to insure. For instance, a driver they prefer should be over the age of 50, is a homeowner, and has a short commute. A driver who fits those characteristics is entitled to the best price and will probably save when switching.

Potential insureds who don’t meet the “perfect” profile will probably have to pay higher premiums and this can result in business not being written. The ads state “customers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently make it sound like they have such great rates. Because each company has a different risk profile, you should get price quotes at each policy renewal. It’s impossible to know which auto insurance company will have the lowest prices for your situation.

Specific coverage details

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, EMT expenses, X-ray expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical services, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass, hitting a bird, a tree branch falling on your vehicle and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Tracker.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

This covers damage to your Tracker from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

In Summary

When getting car insurance quotes online, do not skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage and learned later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

We covered many ideas to save on 1999 Chevy Tracker insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. You may even discover the lowest priced car insurance comes from the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

More affordable car insurance is available online in addition to many insurance agents, and you should compare rates from both to have the best selection. Some companies may not provide price quotes online and usually these regional carriers only sell through independent insurance agents.

More detailed car insurance information is located by following these links:

• What Does No-Fault Insurance Cover? (Allstate)
• Learn About Car Insurance (Geico)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)