Have you had enough of not being able to afford to buy insurance? You have the same problem as the majority of other vehicle owners.
Since you have so many online and local companies to choose from, it can be challenging to find the best insurance company.
Some insurance providers do not advertise every discount very clearly, so the list below contains a few of the more well known and the more hidden savings tricks you should be using when you buy insurance online.
A little disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky. But any discount will help lower your policy premiums.
The best car insurance companies and the discounts they provide can be found below.
If you want cheaper insurance quotes, ask every company which discounts you may be entitled to. Some credits may not apply in your area. For a list of insurers who offer online car insurance quotes, follow this link.
When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions can help discover if you would benefit from an agent’s advice.
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.
Comprehensive insurance
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, hail damage, hitting a deer and damage from a tornado or hurricane. 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 dropping full coverage.
Liability
This coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage pays for claims like bail bonds, structural damage and loss of income. How much coverage you buy is your choice, but you should buy as much as you can afford.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Tracker.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as prosthetic devices, hospital visits, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision insurance
Collision insurance pays for damage to your Tracker from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as hitting a parking meter, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.
When getting insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.
We just showed you a lot of information how to lower your 2003 Chevy Tracker insurance prices. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance. You may be surprised to find that the best price on insurance coverage is with the smaller companies. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.