2002 Chevrolet Tracker Insurance Rates

Locating low-cost insurance for a Chevy Tracker could be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are more efficient ways to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates for your Chevy and obtain the best price possible from both online companies and local agents.

You should take the time to get comparison quotes at least once a year because rates change regularly. Even if you think you had the lowest premium rates on Tracker coverage last year you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage on the web, but you can learn some of the best techniques to lower your insurance coverage rates.

Insurance discounts are available to reduce your rates

Auto insurance companies don’t always publicize the complete list of policy discounts very well, so the list below gives a summary of some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

• Drive Safe and Save – Safe drivers may save up to 50% more on Tracker coverage compared to rates paid by drivers with frequent claims.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
• Low Miles Discount – Low annual miles may allow you to get cheaper prices.
• Clubs and Organizations – Belonging to a professional or civic organization may earn a discount on your next renewal.
• Discount for Home Ownership – Just owning your own home can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Government Employee Discount – Employees or retirees of the government may reduce rates when you quote insurance coverage on Tracker coverage with certain companies.

Discounts lower rates, but many deductions do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurance companies that offer the discounts shown above, click here to view.

How to shop insurance online

The majority of larger companies give insurance quotes directly from their websites. The process is pretty painless as you just type in the coverage amounts you desire into the quote form. When the form is submitted, their rating system requests your credit score and driving record and generates a price.

This makes it simple to compare prices but the work required to visit each company’s website and repetitively enter the same data into a form is a waste of time. But it is imperative to compare as many rates as possible if you want to get better prices.

Isn’t there an easier way to compare rates?

The easiest way to locate the lowest prices uses one simple form that gets prices from many companies. The form is fast, reduces the work, and makes online quotes much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any or none of the quotes returned. If you find a better price it’s easy to complete the application and buy the policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with as shown on your current policy. This makes sure you will get rate comparison quotes based on identical coverages.

Insurance costs are influenced by these factors

Lots of factors are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but others are more obscure like your vehicle usage or how safe your car is.

The itemized list below are some of the major factors used by companies to determine premiums.

• You might want pay the small insurance claims yourself – If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Auto insurance companies provide the lowest premiums to drivers who only file infrequent claims. Your insurance policy is designed for more catestrophic claims.
• Cut car insurance rates and deter theft – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
• Men are more aggressive – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Both genders are responsible for fender benders at about the same rate, but the male of the species tend to have more serious accidents. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so they pay the highest premiums.
• Tickets and citations cost more than a fine – Only having one moving violation could increase your next policy renewal twenty percent or more. Drivers who don’t get tickets receive lower rates as compared to those with violations. Drivers who have received license-revoking violations like reckless driving, hit and run or driving under the influence are required to maintain a SR-22 with their state DMV in order to prevent a license revocation.
• Never let your coverage lapse – Allowing your car insurance policy to lapse is a guaranteed way to trigger a rate increase. In addition to paying higher rates, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Everyone needs different auto insurance coverages

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Does my policy cover my teen driver if they drive my company car?
• Is my trailer covered?
• Do I need motorclub coverage?
• Am I covered if my car is in a flood?
• What exactly is covered by my policy?
• Will filing a claim cost me more?
• Is a fancy paint job covered?
• I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Tricks in insurance advertising

Consumers can’t get away from ads that promise big savings for switching by companies like Allstate and Progressive. They all advertise claims of big savings just by switching your coverage to them.

Is it even possible that every company can give you a better price?

All companies look for specific characteristics for the type of driver that will add to their bottom line. One example of a driver they prefer may be a married male, has never had a claim, and drives less than 5,000 miles a year. Any customer that matches those criteria will get a cheap rate quote and is almost guaranteed to save a lot of money.

Drivers who do not fit those standards will be charged a more expensive rate and this results in the customer not purchasing. The ad wording is “customers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can lure you into getting a quote. Because of the profiling, drivers must do a rate comparison at every renewal. It’s just too difficult to predict which insurance companies will have the best premium rates.

Information about specific coverages

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, emergency aid, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance will pay to fix damage to your Tracker resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

More effort can pay off

Budget-friendly car insurance is possible both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some companies do not offer internet price quotes and usually these smaller providers prefer to sell through independent insurance agents.

Consumers switch companies for a number of reasons such as high prices, delays in paying claims, denial of a claim and high rates after DUI convictions. No matter why you want to switch, switching companies is actually quite simple.

As you prepare to switch companies, do not skimp on coverage in order to save money. In many instances, someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at an affordable rate.

Helpful articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Safety Features for Your New Car (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Safe Vehicles for Teens (iihs.org)