2004 Chevrolet Tracker Insurance Quotes – 9 Policy Discounts

Trying to find cheaper insurance coverage rates? Buyers have a choice when searching for the lowest priced Chevy Tracker insurance. You can either spend your time calling around to compare prices or use the internet to get rate quotes. There are both good and bad ways to shop for insurance coverage so we’re going to tell you the proper way to quote coverages for a Chevy and find the lowest possible price either online or from local insurance agents.

How to shop car insurance online

There are several ways you can shop for car insurance but some are easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do form submissions for each company. To enter your information into the quoting system, click to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to choose specific insurance companies to compare, we put together a list of low cost car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages on every quote. If you have different deductibles it’s not possible to make a fair comparison for your Chevy Tracker.

Verify you’re getting every discount

Buying auto insurance is not cheap, but you may find discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be manually applied before they will apply.

• 55 and Retired – If you qualify as a senior citizen, you may be able to get lower premium rates for Tracker insurance.
• Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
• Low Mileage Discounts – Fewer annual miles on your Chevy may enable drivers to earn lower auto insurancerates on the low mileage vehicles.
• Active Military Service – Being on active deployment in the military could trigger a small discount.
• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Buy New and Save – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.

Remember that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Insurance companies who may offer most of the discounts above are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Double check with all companies you are considering what discounts are available to you. Some credits may not apply to policyholders in your state.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

• Do I need PIP coverage since I have good health insurance?
• Am I covered when driving a rental car?
• Exactly who is provided coverage by my policy?
• Which companies will insure high-risk drivers?
• Do I need roadside assistance coverage?
• Is my nanny covered when driving my vehicle?
• How much can I save by bundling my policies?
• Is a blown tire covered by insurance?
• Am I better off with higher deductibles on my 2004 Chevy Tracker?
• Is pleasure use cheaper than using my 2004 Chevy Tracker to commute?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and Geico. They all seem to seem to make the promise about savings if you change your insurance coverage policy to them.

How does each company charge less that you’re paying now? This is the trick they use.

All the different companies quote the lowest rates for the right customer that will add to their bottom line. One example of a preferred risk may be between 30 and 50, has had continuous coverage, and chooses high deductibles. Any customer that fits those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who do not match the requirements may receive a more expensive rate which results in the customer not buying. The wording the ads use say “customers that switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can state the savings. That is why drivers should compare free car insurance quotes often. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, vandalism, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like repair costs for stationary objects, court costs, emergency aid, pain and suffering and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses such as doctor visits, surgery and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Chevy Tracker.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision – This will pay to fix damage to your Tracker from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Have money to burn

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Cheap 2004 Chevy Tracker insurance can be found online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide price quotes online and most of the time these smaller companies only sell coverage through independent insurance agents.

Insureds change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices or policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Additional resources

• Older Driver Statistics (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Distracted Driving Extends Beyond Texting (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)