View 2000 Chevrolet Tracker Insurance Quotes

Looking for the cheapest auto insurance rates for your Chevrolet Tracker? Sick and tired of being strong-armed to pay your auto insurance bill each month? You are in the same boat as many other people. Numerous insurance companies battle for your business, so it’s not easy to compare every company and get the best coverage at the best rates possible.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to find better prices and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to know how to compare prices online.

Get lower-cost insurance prices by understanding these factors

The best way to find cheaper insurance coverage is to take a look at some of the factors that go into determining the level of your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that could help you find better insurance coverage rates. Lots of factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as your marital status and annual miles driven.

  • Car and home together may be cheaper – Most major insurers will award better rates to clients who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you’re getting this discount consumers should still compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.
  • Your address can push rates up or down – Having an address in areas with lower population is a positive aspect when talking about insurance coverage. Urban drivers have congested traffic and more time behind the wheel. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • What’s your car’s crash test rating? – Safe vehicles tend to have better insurance rates. These vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums. If your Chevy Tracker scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Women pay lower premiums – Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Females and males cause accidents in similar numbers, but guys get into accidents with more damage. Not only that, but men also get higher numbers of serious violations such as reckless driving.
  • Adjust physical damage deductibles and save – Physical damage protection, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of covered claims would be a windshield shattered by a rock, collision with an animal, and having your car stolen. Your deductibles tell how much the insured will be required to pay before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive for Tracker insurance.
  • Low mileage costs less – The more miles you rack up on your Chevy each year the higher the price you pay to insure it. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Improper usage on your Tracker can result in significantly higher rates. It’s a good idea to make sure your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money.
  • How much liability insurance do you need? – A critical coverage on your policy, liability insurance provides coverage in the event that you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Don’t let your coverage lapse – Driving with no insurance is not a good idea and companies may charge more for letting your coverage lapse. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.

Lower rates by qualifying for discounts

Car insurance companies don’t always advertise every possible discount in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden discounts you could be receiving when you buy insurance online.

  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Senior Citizens – Seniors are able to get a small discount on rates for Tracker insurance.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper since new model year vehicles have better safety ratings.
  • Driver Training Discounts – Taking time to complete a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Discounts for Multiple Vehicles – Insuring several vehicles with the same car insurance company qualifies for this discount.
  • Anti-theft System – Cars with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Auto/Home Discount – If you have multiple policies with one company you will save over 10 percent off each policy depending on the company.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn cheaper premium rates.
  • Good Student – Excelling in school can save 20 to 25%. Most companies allow this discount until age 25.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies that may include some of the discounts shown above may include but are not limited to:

When quoting, ask each company which credits you are entitled to. All car insurance discounts might not be available to policyholders everywhere. For a list of car insurance companies that offer multiple discounts, follow this link.

Car insurance is unique, just like you

When choosing the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if you might need an agent’s assistance.

  • Does my 2000 Chevy Tracker qualify for pleasure use?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I buy a commercial auto policy?
  • Will filing a claim cost me more?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Learn about auto insurance coverages for a 2000 Chevy Tracker

Knowing the specifics of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Chevy Tracker.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, court costs, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for EMT expenses, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Tracker from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car, sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

A little work can save a LOT of money

You just read some good ideas how to reduce 2000 Chevy Tracker insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies. Regional companies can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate or State Farm.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured dropped collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.

More detailed car insurance information can be read in the articles below: