2000 Chevrolet Tracker Car Insurance Quotes – 6 Ideas for Cheapest Rates

Want cheaper insurance rates for your Chevrolet Tracker? No one in their right mind likes having to buy insurance, especially when their premiums are through the roof.

Having so many choices, it can be impossible to choose the cheapest company.

Shopping for more affordable protection can be fairly easy. Essentially every driver who is required by state law to have insurance coverage will be able to find better rates. Nevertheless, consumers need to have an understanding of how big insurance companies market insurance on the web because it can help you find the best coverage.

Lower rates by qualifying for these six discounts

Car insurance is not cheap, but there are discounts available that you may not know about. A few discounts will automatically apply when you get a quote, but less common discounts must be asked about prior to receiving the credit.

  • Accident Forgiveness – Some insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Tracker coverage than less cautious drivers.
  • Safety Course Discount – Completing a driver safety course could save 5% or more if your company offers it.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
  • Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.

Consumers should know that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the cost of coverage.

Companies that possibly offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your state.

Compare the Market for Auto Insurance

All major auto insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get prices for coverage online. Getting online quotes is quite simple as you just type in your coverage preferences into a form. Once you submit the form, their rating system sends out for credit information and your driving record and returns a price based on these and other factors. Quoting online makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively enter the same data into a form gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible in order to find the lowest auto insurance rates.

Rate comparisons made easy

A less time-consuming method to lower your auto insurance bill utilizes a single form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, it is rated and you can choose any of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits identical to your current policy. Doing this guarantees you will get comparison quotes for similar insurance coverage.

Car insurance is unique, just like you

When it comes to buying the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • How much liability coverage do I need in my state?
  • Am I better off with higher deductibles on my 2000 Chevy Tracker?
  • Are rock chip repairs covered?
  • Am I covered when driving in Canada or Mexico?
  • What is the ISO rating for a 2000 Chevy Tracker?
  • Should I get collision insurance on every vehicle?
  • Is business property covered if stolen from my car?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

The coverage is in the details

Understanding the coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Collision insurance

This covers damage to your Tracker resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for pain medications, hospital visits, rehabilitation expenses, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Tracker.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, emergency aid, pain and suffering and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, falling objects and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

The bottom line

We covered many ways to lower your 2000 Chevy Tracker insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the most savings is with a small local company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, Geico and Progressive.

Budget-conscious insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

More detailed insurance information can be read by following these links: