2000 Chevrolet Tracker Car Insurance Cost – 6 Discounts for Best Prices

Searching for better insurance prices for a Chevy Tracker can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to get price quotes for a Chevy and obtain the lowest possible price.

How to compare insurance coverage rate quotes

Finding a better price on insurance coverage can be relatively painless. All you need to do is invest a few minutes comparing rate quotes to discover which company has cheap auto insurance quotes. It’s really simple and can be done in just a few minutes using one of these methods.

1. If you’re in a hurry, the quickest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing a different quote for every insurance coverage company. One simple form will get you price quotes from insurance coverage companies with the best prices. It’s definitely the quickest method.
2. A less efficient way to compare rate quotes is to take the time to go to each company’s website and complete a new quote form. For examples sake, let’s say you need rates from Geico, Safeco and Allstate. You would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

   For a list of companies in your area, click here.

3. The least efficient and most time consuming way to comparison shop is actually driving to each insurance agency near you. Comparing rates online makes this unnecessary unless you have a complicated situation and need the professional abilities that you can only get from talking to an agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples quote data with every price quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to make an equal comparison.

Truth in car insurance advertising

Consumers can’t avoid all the ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. All the ads advertise the message about saving some big amount if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all lower your rates?

Different companies have an ideal profile for the type of driver that will most likely be profitable. A good example of this type of risk profile may need to be between 25 and 40, has never had a policy lapse, and does not commute to work. A driver that meets those criteria receive the lowest rate quotes and have a good chance to save quite a bit of money when switching.

Potential customers who may not quite match those criteria will have to pay higher rates with the end result being the customer not purchasing. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully state the savings. This emphasizes why you need to compare price quotes frequently. You cannot predict which car insurance company will give you the biggest savings.

Cheaper rates with these six auto insurance discounts

Insurance can be prohibitively expensive, but there could be significant discounts to help bring down the price. Many discounts should be triggered when you purchase, but occassionally some discounts must be asked for prior to getting the savings.

• Good Student – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
• Waiver for an Accident – Not necessarily a discount, but companies like State Farm, Progressive and Geico will turn a blind eye to one accident before your rates go up so long as you are claim-free prior to the accident.
• 55 and Retired – Seniors are able to get lower premium rates for Tracker coverage.
• Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
• Discount for Life Insurance – Some insurance carriers give a small discount if you purchase some life insurance too.
• Paper-free Discount – Many auto insurance companies will provide an incentive for buying a policy and signing up on their website.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business. But all discounts will help reduce your policy premiums.

Large auto insurance companies and the discounts they provide are included below.

• 21st Century may have discounts that include theft prevention, automatic seat belts, good student, anti-lock brakes, 55 and older, and early bird.
• State Farm policyholders can earn discounts including anti-theft, defensive driving training, good student, good driver, and safe vehicle.
• AAA offers discounts including good driver, good student, multi-car, multi-policy, pay-in-full, AAA membership discount, and anti-theft.
• Liberty Mutual includes discounts for multi-policy, teen driver discount, good student, exclusive group savings, newly retired, and new graduate.
• Progressive offers discounts for continuous coverage, multi-policy, online signing, homeowner, and good student.

Double check with all the companies which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your area. If you would like to see a list of providers that have a full spectrum of discounts, click this link.

Car insurance can get complicated

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you might need professional guidance.

• How do I file an SR-22 for a DUI in my state?
• Is rental equipment covered for theft or damage?
• Why do I need rental car insurance?
• What companies insure drivers after a DUI or DWI?
• How do I insure my teen driver?
• Is my state a no-fault state?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, ambulance fees, doctor visits, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your Tracker resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability – This will cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, pain and suffering and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

We just covered a lot of information how to shop for 2000 Chevy Tracker insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from the smaller companies.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Low-cost 2000 Chevy Tracker insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer online rate quotes and usually these smaller providers work with independent insurance agents.

Additional detailed information can be read in the articles below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)