2003 Chevrolet Tracker Insurance Quotes – 5 Ideas for Cheapest Rates

Trying to find cheaper auto insurance rates for your Chevrolet Tracker? I doubt anyone likes paying for auto insurance, in particular when they are paying too much. People have many insurers to purchase coverage from, and although it’s a good thing to be able to choose, more choices can make it harder to find the lowest rates.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Drivers only need an understanding of the best way to compare company rates online.

Find discounts to get cheap car insurance quotes

Car insurance is expensive, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be requested specifically before you will receive the discount. If you’re not getting every credit possible, you could be saving more on your car insurance.

• Homeowners Savings – Owning a home can save you money because of the fact that having a home requires personal responsibility.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks with one company can reduce the rates for all insured vehicles.
• Professional Memberships – Being in certain professional organizations could earn you a nice discount on car insurance.
• Defensive Driver – Participating in a defensive driver course can save you 5% or more and easily recoup the cost of the course.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

Companies and a partial list of their discounts are shown below.

• Progressive may have discounts that include good student, online signing, homeowner, multi-policy, and continuous coverage.
• SAFECO may include discounts for homeowner, anti-theft, bundle discounts, teen safety rewards, and accident prevention training.
• American Family has savings for bundled insurance, accident-free, multi-vehicle, defensive driver, and air bags.
• MetLife offers premium reductions for defensive driver, good student, accident-free, good driver, claim-free, multi-policy
• Geico may offer discounts for federal employee, air bags, daytime running lights, membership and employees, and defensive driver.
• The Hartford includes discounts for driver training, air bag, good student, anti-theft, bundle, vehicle fuel type, and defensive driver.

Check with every company to give you their best rates. Depending on the company, some discounts may not apply in your area. For a list of car insurance companies that offer many of these discounts, click here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation may require specific advice.

• Am I covered if my car is in a flood?
• Are all vehicle passengers covered by medical payments coverage?
• Should I carry comprehensive and collision coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Can I afford low physical damage deductibles?
• Where can I find DUI or SR-22 insurance?
• Do I have coverage when making deliveries for my home business?
• If my 2003 Chevy Tracker is totaled, can I afford another vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Beware of misleading insurance coverage ads

Consumers can’t escape the ads for insurance coverage savings from companies such as Allstate, Geico and Progressive. They all make the point about saving some big amount just by switching your coverage to them.

How does each company sell you cheaper insurance coverage? It’s all in how they say it.

Many companies quote the lowest rates for the type of customer that will be a good risk. For instance, a desirable risk might be described as a female over age 40, has a clean driving record, and does not commute to work. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t qualify for this stringent profile may be forced to pay higher premium rates and this results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can state the savings. This emphasizes why you should compare quotes as often as possible. It is just not possible to predict the company that will have the lowest premium rates for your situation.

Insurance coverage specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Liability insurance

This coverage protects you from damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as emergency aid, funeral expenses, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as ambulance fees, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle, vandalism and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Tracker.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Make a quick buck

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured cut uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Cheaper 2003 Chevy Tracker insurance can be sourced from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance providers do not offer internet price quotes and usually these smaller companies prefer to sell through local independent agents.

Additional resources

• Auto Insurance 101 (About.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Information for Teen Drivers (Geico)
• Neck Injury FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)