Cheap 1999 Chevrolet Tracker Car Insurance Quotes

Searching for better insurance rates? Consumers have options when looking for the best price on Chevy Tracker insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to compare rates.

There are more efficient ways to compare insurance rates so you’re going to learn the best way to get price quotes on a Chevy and get the lowest possible price from both online companies and local agents.

Lower rates by qualifying for discounts

Companies don’t list all their discounts very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to you. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Claim Free – Insureds with no claims or accidents get the best insurance coverage rates when compared with drivers with a long claim history.
  • Early Switch Discount – Some insurance coverage companies provide a discount for switching policies prior to your current policy expiring. You can save around 10% with this discount.
  • Mature Driver Discount – If you qualify as a senior citizen, you could receive reduced rates on Tracker coverage.
  • Data Collection Discounts – Drivers that enable their insurance company to study where and when they drive by using a telematic data system like Allstate’s Drivewise could see a rate decrease if they have good driving habits.
  • Distant Student – College-age children living away from home attending college and do not have a car could qualify for this discount.
  • Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Tracker coverage with a few insurance coverage companies.

As is typical with insurance, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works.

Companies and some of the discounts include:

  • State Farm may include discounts for good student, accident-free, safe vehicle, multiple autos, passive restraint, Drive Safe & Save, and Steer Clear safe driver discount.
  • Progressive has discounts for multi-policy, good student, continuous coverage, multi-vehicle, online signing, online quote discount, and homeowner.
  • Progressive has savings for online quote discount, continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, and good student.
  • MetLife may have discounts that include claim-free, multi-policy, accident-free, good student, good driver, defensive driver
  • Farm Bureau discounts include driver training, multi-vehicle, multi-policy, safe driver, and good student.
  • Geico may offer discounts for defensive driver, emergency military deployment, daytime running lights, federal employee, air bags, and driver training.
  • SAFECO offers discounts for teen safe driver, anti-lock brakes, anti-theft, teen safety rewards, bundle discounts, and homeowner.

Before purchasing a policy, check with each company which discounts they offer. All car insurance discounts might not be offered on policies in your state. If you would like to see a list of insurers that provide some of the discounts listed above, follow this link.

Insurance is unique, just like you

When it comes to choosing the best insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Is my cargo covered for damage or theft?
  • Am I covered if I wreck a rental car?
  • Do all my vehicles need collision coverage?
  • Is there coverage for injuries to my pets?
  • What happens if I owe more than my 1999 Chevy Tracker is worth?
  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Chevy Tracker.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance covers damage to your Tracker from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, damaging your car on a curb, rolling your car, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as funeral costs, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, falling objects, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Summing up your insurance search

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, delays in paying claims, high rates after DUI convictions or even denial of a claim. It doesn’t matter why you want to switch finding a new company is easier than you think.

We’ve covered some good ideas how you can lower your 1999 Chevy Tracker insurance car insurance rates. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from the least-expected company.

When searching for affordable insurance quotes, do not buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Additional information is available at the links below