Lower Your 1998 Chevrolet Tracker Insurance Cost

Searching for cheaper insurance rates for your Chevrolet Tracker? Online price comparisons for affordable insurance coverage might sound like a lofty goal if you’re new to online rate comparisons. Don’t let that stop you because online price shopping is actually quite simple.

Consumers should take time to do price comparisons quite often because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Tracker coverage on your last policy the chances are good that you can find a lower premium rate today. There is lot of inaccurate information about insurance out there, but I’m going to show you some proven techniques to slash your insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. This information will tell you the best way to quote coverages. But consumers must know the way companies determine prices and use this information to your advantage.

The cheapest car insurance

Most of the larger companies such as State Farm and Allstate provide insurance quotes on their websites. Getting quotes is fairly straightforward as you simply enter the coverage amounts you desire as requested by the quote form. Once you submit the form, the quote system requests your driving record and credit report and returns a price based on these and other factors.

This makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get better car insurance pricing.

The preferred way to compare car insurance pricing makes use of a single form that analyzes rates from a bunch of companies at once. The form is fast, requires less work, and makes online price comparison much more enjoyable. As soon as you send your information, it gets priced and you can choose your choice of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

In order to compare rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with coverages and limits identical to your current policy. This guarantees you will get a price comparison for similar coverage.

Insurance advertising tricks

Auto insurance companies such as State Farm and Allstate endlessly run television, radio, and online ads. They all seem to convey the message that people will save if you get a free insurance coverage quote and switch your coverage. How does every company claim to save you money? This is how they do it.

All the different companies have specific criteria for a prospective insured that earns them the highest profit. For example, a profitable risk profile might have to be over the age of 45, has other policies, and insures a new vehicle. A customer that fits those parameters will get low premium rates and as a result will probably save when they switch companies.

Potential insureds who fall short of the ideal profile must pay higher premiums and the customer not purchasing. The trick is to say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can advertise the way they do. Because of these techniques, it’s extremely important to compare quotes as often as possible. Because you cannot predict with any certainty which company will have the lowest rates.

How to lower your insurance rates

Lots of factors are considered when pricing auto insurance. Most are fairly basic like your driving record, but other criteria are less apparent such as your credit history or how financially stable you are.

  • Big cities mean more claims – Having an address in a rural area has definite advantages if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates. People who live in big cities regularly have traffic congestion and a longer drive to work. The longer drive time means higher likelihood of an accident.
  • Continuous car insurance coverage saves money – Driving without insurance coverage in place is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Safer the car lower the rate – Vehicles that have high safety ratings get lower rates. Highly rated vehicles reduce the chance of injuries and lower injury rates means lower claim amounts which can result in lower premiums. If your Chevy Tracker is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Good credit means lower costs – Having a bad credit history is likely to be a major factor in determining what you pay. Therefore, if your credit rating can be improved, you could be paying less to insure your 1998 Chevrolet Tracker by improving your credit score. Drivers with excellent credit scores tend to be more responsible than those with bad credit.
  • Bump up comp and collision deductibles to lower rates – Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more money the insured is willing to pay, the better rate you will receive on Tracker coverage.
  • Get better rates if married – Getting married can actually save you money on your car insurance bill. It is viewed as being more responsible and insurance companies reward insureds because married couples file fewer claims.

These discounts can lower insurance coverage rates

Insuring your vehicles can cost a lot, but you may qualify for discounts that can help lower your rates. Certain credits will be shown at quote time, but once in a while a discount must be specially asked for before you will receive the discount.

  • Distant Student Discount – who are attending college and do not have access to a covered vehicle could get you a discount.
  • Life Insurance – Select insurance coverage companies reward you with a small discount if you purchase a life policy as well.
  • Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Tracker coverage than their less cautious counterparts.
  • Organization Discounts – Being a member of certain professional organizations can get you a small discount on insurance coverage.
  • Sign Early and Save – Some insurance companies reward drivers for buying a new policy prior to your current policy expiring. The savings is around 10%.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class in high school.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Senior Citizens – Seniors could receive a slight reduction on a insurance coverage quote on Tracker coverage.
  • Auto/Home Discount – When you have multiple policies and insure them with the same company you could save at least 10 to 15 percent or more.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free insurance coverage policy, you aren’t that lucky.

Some of the larger companies that have these benefits are:

It’s a good idea to ask each company or agent which credits you are entitled to. All car insurance discounts might not be offered on policies in every state. If you would like to choose from a list of insurance coverage companies who offer insurance coverage discounts, click this link.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • What is UM/UIM insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my teenager covered with friends in the car?
  • Why do I only qualify for high-risk insurance?
  • How high should deductibles be on a 1998 Chevy Tracker?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, repair bills for other people’s vehicles, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

This covers damage to your Tracker resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1998 Chevy Tracker.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for doctor visits, dental work, EMT expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Feed the piggy bank

The cheapest 1998 Chevy Tracker insurance is attainable from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies may not have price quotes online and usually these regional carriers provide coverage only through independent agents.

Drivers switch companies for many reasons like poor customer service, delays in paying claims, extreme rates for teen drivers or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. The goal is to buy enough coverage at the best cost.

Much more information about insurance coverage is available at these links: