2004 Chevrolet Tracker Car Insurance Cost – 10 Tips for Cheaper Prices

Want the cheapest insurance rates for your Chevrolet Tracker? Tired of being strong-armed to insure your Chevy every month? You are in the same boat as most other car owners.

Multiple car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest price

How to reduce 2004 Chevy Tracker insurance rates

Car insurance companies don’t list all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of more than 20%.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Defensive Driver – Taking part in a course in driver safety could cut 5% off your bill depending on where you live.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Tracker coverage.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy can earn lower rates on the low mileage vehicles.
  • Student in College – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Own a Home – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that may have some of the above discounts include:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Is my Chevy Tracker covered if I use it for business?
  • If my pet gets injured in an accident are they covered?
  • I have a DUI can I still get coverage?
  • When would I need rental car insurance?
  • Where can I find high-risk insurance?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Ads can be misleading

Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the same claim that you can save if you switch your coverage to them. How does each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could possibly be over the age of 50, is a homeowner, and drives newer vehicles. Any driver who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside these standards must pay more money which leads to business not being written. The ads say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can advertise the savings. This illustrates why you should get as many quotes as possible. Because you never know which auto insurance company will give you the biggest savings on Chevy Tracker insurance.

Insurance coverage basics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, X-ray expenses and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as 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

Liability coverage

Liability insurance will cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical services, pain and suffering, attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your Tracker from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Chevy Tracker.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Affordable insurance is out there

We just presented a lot of tips how to reduce 2004 Chevy Tracker insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability coverage limits and discovered at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.

Additional information can be found at the links below