2004 Chevrolet Tracker Car Insurance Quotes – 9 Tricks for Cheaper Rates

There isn’t a single person who likes having to buy insurance coverage, especially when they are aware that they could find lower prices if they just compared rates.

There are many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more options can take longer to compare rates and cut insurance costs.

Take these nine policy discounts and save

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be requested specifically before you get the savings. If you do not double check each discount available, you are not getting the best rate possible.

  • Defensive Driving Course – Participating in a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Tracker coverage depending on your insurance coverage provider.
  • Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save a little off the medical payments premium.
  • Active Military Service – Being on active deployment in the military can result in better premium rates.
  • Discount for Swiching Early – Some larger companies reward drivers for switching companies before your current expiration date. Ten percent is about the average savings.
  • Distant Student – Children who are attending college and do not have a car may be insured at a cheaper rate.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.

You should keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will positively reduce the premium cost.

A few popular companies and a selection of discounts are outlined below.

  • State Farm includes discounts for anti-theft, good student, passive restraint, multiple autos, and defensive driving training.
  • Geico may include discounts for multi-vehicle, anti-lock brakes, membership and employees, anti-theft, seat belt use, and military active duty.
  • Allstate offers discounts for resident student, multi-policy, passive restraint, anti-lock brakes, farm vehicle, and economy car.
  • SAFECO offers discounts including anti-theft, safe driver, multi-car, teen safe driver, bundle discounts, drive less, and homeowner.
  • Farm Bureau discounts include 55 and retired, driver training, renewal discount, safe driver, and multi-vehicle.
  • Progressive may have discounts that include continuous coverage, multi-policy, good student, homeowner, online quote discount, multi-vehicle, and online signing.
  • AAA policyholders can earn discounts including multi-car, AAA membership discount, pay-in-full, anti-theft, good student, education and occupation, and multi-policy.

If you need cheaper insurance quotes, ask every insurance company how many discounts you can get. All car insurance discounts may not be available in your state. If you would like to see a list of insurance coverage companies who offer discounts, click here.

Ways to get insurance coverage rate quotes

When shopping for affordable insurance quotes, there are a couple of ways to compare quotes from insurance coverage companies in your area. The recommended way to lower the rate you pay for Chevy Tracker insurance consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to get quotes is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for repetitive form entry for every insurance coverage company. One form will get you rate comparisons from multiple companies.
  2. Another way to obtain and compare quotes online is to manually visit the website for every company you want to comare and request a quote. For sake of this example, we’ll assume you want comparison quotes from Farmers, Liberty Mutual and State Farm. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just try to use the exact same coverage data for every quote you compare. If you compare different liability limits it will be impossible to find the best deal for your Chevy Tracker. Even a minor difference in coverage limits could mean much higher rates. Just remember that getting more free quotes provides better odds of finding the best rates.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you could use an agent’s help.

  • What is the ISO rating for a 2004 Chevy Tracker?
  • Do I need an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Do I need rental car coverage?
  • Am I insured when driving a different vehicle?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Well-known auto insurance companies like Geico, State Farm and Progressive endlessly run ads on television and other media. They all try to convey promises of big savings if you just switch to them. How is it plausible that every one can charge less that you’re paying now? This is how they do it.

Auto insurance companies are able to cherry pick for the type of driver that makes them money. One example of this type of insured may need to be over the age of 50, has a low-risk occupation, and drives a vehicle with a low ISO rating. A customer who fits that profile will get a cheap rate quote and as a result will probably save if they switch.

Potential insureds who don’t measure up to this ideal profile may receive higher rates which leads to the customer not purchasing. The wording the ads use say “people that switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully state the savings.

This really illustrates why it’s extremely important to get insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Specific coverage details

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2004 Chevy Tracker.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, theft and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for prosthetic devices, X-ray expenses, nursing services and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance covers damage to your Tracker caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Save your hard earned cash

We just showed you many tips how you can compare 2004 Chevy Tracker insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with an unexpected company. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

A few companies do not provide price quotes online and most of the time these small insurance companies only sell through local independent agencies. Lower-priced 2004 Chevy Tracker insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Additional information can be found at the links below