How Much Does 2003 Chevrolet Tracker Car Insurance Cost?

Want the cheapest auto insurance rates for your Chevrolet Tracker? Are you irritated from paying out the nose to make your auto insurance payment? Your situation is no different than most other consumers.

Big-name insurance companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It is always a good idea to take a look at other company’s rates occasionally because auto insurance rates trend upward over time. If you had the lowest rate for Tracker coverage six months ago you can probably find a better price now. Forget all the misinformation about auto insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

Car insurance policy discounts

Car insurance can be pricey, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered at the time of purchase, but less common discounts must be specifically requested before being credited.

  • Responsible Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates for Tracker coverage than drivers with accidents.
  • Sign Early and Save – A few larger companies offer discounts for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • Defensive Driver Discounts – Successfully completing a course in defensive driver could possibly earn you a 5% discount and make you a better driver.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up can save up to 15% on medical payment and PIP coverage.
  • Active Service Discounts – Being deployed in the military may lower your prices slightly.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give a lower car insurance rate if you buy life insurance.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, that’s just not realistic. But all discounts will definitely reduce your overall premium however.

Large car insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm may offer discounts for accident-free, student away at school, passive restraint, multiple policy, safe vehicle, and good student.
  • GEICO offers discounts for anti-lock brakes, emergency military deployment, air bags, daytime running lights, multi-vehicle, and anti-theft.
  • Progressive may include discounts for online quote discount, multi-policy, online signing, continuous coverage, good student, and multi-vehicle.
  • 21st Century includes discounts for driver training, defensive driver, 55 and older, theft prevention, air bags, and early bird.
  • American Family policyholders can earn discounts including multi-vehicle, good student, TimeAway discount, defensive driver, mySafetyValet, good driver, and bundled insurance.
  • The Hartford discounts include anti-theft, bundle, driver training, good student, defensive driver, and vehicle fuel type.
  • AAA offers discounts including anti-theft, multi-car, education and occupation, good driver, multi-policy, pay-in-full, and AAA membership discount.

If you want the cheapest car insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in every state.

How to compare free car insurance rate quotes

To find the best car insurance rates, there are several ways to compare rate quotes from local car insurance companies. The best way to find the lowest 2003 Chevy Tracker rates involves getting comparison quotes online. This can be done in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form submissions for every car insurance company. Just one form gets you coverage quotes from multiple low-cost companies.
  2. A slightly less efficient method to shop for car insurance online requires visiting the website for every company you want to comare and complete a new quote form. For examples sake, let’s assume you want comparison quotes from GEICO, Progressive and GMAC. You would be required to spend time going to each site individually and punch in your information repeatedly, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

  3. The old school way to get price estimates is to spend time driving to insurance agents’ offices. The ability to get quotes online eliminates this option unless you want the trained advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to price shop online but have a local agent actually write the policy.

The approach you take is up to you, just make darn sure you compare apples-to-apples coverage limits for every company. If you are comparing different values for each quote you will not be able to make a fair comparison for your Chevy Tracker. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that more quotes increases the change that you will find more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you also need to get rates from those companies as well.

How do I know if I need professional advice?

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • Am I covered if I wreck a rental car?
  • How can I force my company to pay a claim?
  • Am I covered when driving on a suspended license?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find high-risk insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my insurance cover my expensive audio equipment?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage basics

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as funeral expenses, pain and suffering, emergency aid, medical expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your Tracker resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider 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.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as surgery, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2003 Chevy Tracker.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Be Smart and Buy Smart

When shopping online for insurance, you should never buy less coverage just to save a little money. In many cases, someone dropped full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Low-cost 2003 Chevy Tracker insurance can be bought online as well as from insurance agents, so you should compare both to have the best rate selection. Some companies do not provide online quoting and these regional insurance providers only sell through independent agents.

We’ve covered many ideas to lower your 2003 Chevy Tracker insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

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