1998 Chevrolet Tracker Insurance Quotes

Searching for the cheapest insurance rates for your Chevrolet Tracker? Are you tired of scraping the payment together to buy car insurance? You’re in the same situation as millions of other consumers. Drivers have so many insurers to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

You need to check insurance prices periodically because prices fluctuate regularly. Despite the fact that you may have had the best rates for Tracker insurance a year ago there may be better deals available now. There is too much inaccurate information about insurance on the web, but by reading this article, you’re going to learn some good information on how to buy insurance cheaper.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Most are applied when you get a quote, but a few must be inquired about before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Own a Home – Owning a home can help you save on insurance because owning a home shows financial diligence.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Tracker insurance than their less cautious counterparts.
  • No Claims – Drivers with accident-free driving histories pay much less compared to frequent claim filers.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will bring down your premiums.

For a list of providers who offer insurance discounts, follow this link.

Vehicle Insurance Comparison

There are multiple methods you can shop for 1998 Chevy Tracker insurance coverage but some are less labor-intensive and much quicker. You could spend your day talking about coverages with insurance companies in your area, or you can utilize the internet to maximize your effort.

The majority of car insurance companies take part in a program where insurance shoppers send in one quote, and each company returns a competitive quote based on that data. This prevents consumers from doing quotation requests to each company.

To access this free quoting program, click here to start a free quote.

The single downside to doing it this way is you don’t know exactly which providers to get quotes from. If you would rather choose from a list of companies to compare, we put together a list of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical information with every price quote. If the quotes have different limits and deductibles on each one you will not be able to make a fair comparison for your Chevy Tracker.

When might I need help?

When buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to my business vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered by my policy?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Tracker.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability – This coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, falling objects and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your Tracker from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, scraping a guard rail, crashing into a building, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Final thoughts

You just read many ideas to compare 1998 Chevy Tracker insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a small local company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price.

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