Cheap 1998 Chevrolet Tracker Insurance Rates

Comparing car insurance quotes online is challenging if you are someone who has never done online quotes. Don’t let that stop you because using the internet to shop for insurance coverage is actually quite easy.

Insurance policy discounts

Some providers do not list every available discount in an easy-to-find place, so the following list contains some of the more common and also the lesser-known credits that you can use to lower your rates.

  • Discount for Home Ownership – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
  • Multiple Policy Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Professional Organizations – Belonging to qualifying employment or professional organizations can get you a small discount on your next insurance statement.
  • Paperless Signup – A few insurance companies may give you up to $50 for buying your policy online.
  • Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for Tracker insurance with some insurance companies.
  • Smart Student Discounts – This discount may save as much as 25% on a car insurance quote. The good student discount can last up to age 25.
  • Sign Early and Save – Some companies provide a discount for renewing your policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Active Service Discounts – Being deployed in the military could qualify you for better prices.
  • Accident Waiver – Not necessarily a discount, but some companies like Allstate and GEICO will turn a blind eye to one accident without raising rates if you have no claims for a certain period of time.

Just know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.

Large insurance companies and a selection of discounts are:

  • Progressive offers discounts for good student, continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
  • The Hartford offers discounts including good student, defensive driver, driver training, air bag, anti-theft, and vehicle fuel type.
  • Mercury Insurance discounts include good student, anti-theft, age of vehicle, good driver, and multi-car.
  • GEICO offers premium reductions for federal employee, seat belt use, good student, anti-lock brakes, anti-theft, and military active duty.
  • AAA includes discounts for good driver, multi-car, good student, pay-in-full, multi-policy, and education and occupation.
  • State Farm policyholders can earn discounts including good student, Steer Clear safe driver discount, good driver, accident-free, driver’s education, anti-theft, and Drive Safe & Save.

Before you buy a policy, ask every prospective company which discounts you qualify for. Discounts may not be offered in your state. For a list of providers with discount insurance rates, click here to view.

Informed consumers save on insurance

When buying car insurance it’s important to understand the factors that aid in calculating your policy premiums. If you know what impacts premium levels, this enables informed choices that could result in much lower annual insurance costs.

The items below are some of the major factors used by your company to calculate your premiums.

  • Drivers with excellent credit save on car insurance – Your credit score is likely to be a major factor in calculating your premium rate. If your credit rating can use some improvement, you could potentially save money when insuring your 1998 Chevrolet Tracker by improving your credit score. People that have very high credit ratings tend to be better risks to insure than those with worse credit.
  • Save by driving safer vehicles – Vehicles with good safety scores tend to have better insurance rates. Vehicles built for safety reduce injuries and better occupant protection means less claims paid and lower rates for you. If your Chevy scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Claim-free discounts can add up – Companies provide the lowest premiums to people who are claim-free. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is intended for claims that pose a financial burden.
  • Lower stress equals lower premiums – Careers such as military generals, executives and accountants tend to have higher rates than average in part from job stress and lengthy work days. On the other hand, careers like scientists, athletes and homemakers pay the least for Tracker insurance.
  • Rates increase with driving citations – Even one chargable violation may increase your cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers with severe violations such as reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • Battle of the sexes – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that females are better drivers. Both genders cause fender benders at about the same rate, but men have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as reckless driving.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • What are the financial responsibility laws in my state?
  • When would I need rental car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does medical payments coverage apply to all occupants?
  • Does my personal policy cover me when driving out-of-state?
  • Does liability extend to a camper or trailer?
  • I have a DUI can I still get coverage?
  • Is a fancy paint job covered?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

The ad said I’d save $451 a year!

Big name companies like GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. They all make an identical promise that drivers will save a bundle if you change to them. How is it plausible that every one can give you a better price? Here is how they do it.

Different companies quote their best rates for the type of driver that will add to their bottom line. One example of a preferred risk might be married and over the age of 30, has no driving citations, and has excellent credit. Someone who matches those parameters will get a cheap rate quote and as a result will probably save a lot if they switch.

Insureds who are not a match for those criteria will see a higher premium and ends up with the prospect going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings.

This really drives home the point why you really should get a wide range of price quotes. It is impossible to predict with any certainty which company will have the best car insurance rates for your profile.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Chevy Tracker.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Tracker resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for doctor visits, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, vandalism, a tree branch falling on your vehicle and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More effort can pay off

Consumers change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, delays in responding to claim requests and high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

We just showed you many ideas to shop for 1998 Chevy Tracker insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company.

Discount 1998 Chevy Tracker insurance can be sourced on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these regional carriers only sell through independent agents.

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