Lower Your 2002 Chevrolet Tracker Insurance Rates

Looking for cheaper auto insurance rates for your Chevrolet Tracker? No one in their right mind enjoys paying for auto insurance, especially when their premiums are too high.

Insurance companies such as State Farm, Progressive and Geico continually bombard you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Choosing the best insurance company for you is not that difficult. But car owners must comprehend the way companies determine prices because it can help you find the best coverage.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates can be exhausting if you don’t understand the most efficient way. You could waste time driving to agents in your area, or you can utilize the web to maximize your effort.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and each company returns a competitive quote determined by their information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To compare 2002 Chevy Tracker rates now click to open in new window.

One minor caviat to getting quotes like this is you cannot specify which carriers you want pricing from. If you would rather choose specific insurance companies to compare, we have a listing of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples coverages on every quote. If your comparisons have different deductibles it’s not possible to determine the lowest rate for your Chevy Tracker. Just a small difference in insurance coverages may result in large price differences. And when quoting car insurance, remember that quoting more gives you a better chance of getting a lower rate.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining if your insurance needs could use an agent’s help.

• Where can I find high-risk insurance?
• How high should my uninsured/underinsured coverage be in my state?
• How can I get high-risk coverage after a DUI?
• How many claims can I have before being cancelled?
• I have good health insurance, so how much medical payments coverage do I need?
• What is the minimum liability in my state?
• Am I covered when driving on a suspended license?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills such as doctor visits, surgery and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Tracker resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability – Liability coverage provides protection from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for 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. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like emergency aid, structural damage, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they 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 have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft, hail damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.