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1998 Chevrolet Tracker Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 4, 2020

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People new to shopping for insurance online can find shopping for the lowest-priced auto insurance is not as easy as it seems.

You need to compare prices quite often because prices are variable and change quite frequently. If you had the lowest rates for Tracker coverage six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the right way to find great coverage at a great price.

Shopping for the lowest cost protection is easy if you know what you’re doing. Basically, every driver who is shopping for car insurance will be able to find better rates. But vehicle owners must know the way insurance companies determine prices and use this information to your advantage.

Discounts to lower 1998 Chevy Tracker insurance rates

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Most are applied when you quote, but lesser-known reductions have to be specifically requested before they will apply.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break when buying auto insurance for Tracker coverage.
  • Sign Online – Certain companies give back up to $50 simply for signing digitally online.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.

To see a list of insurers offering auto insurance discounts, click here to view.

Finding Auto Insurance

Most companies like State Farm and Allstate allow you to get price estimates directly from their websites. Getting online quotes is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, the company’s rating system gets your driving record and credit report and returns a price based on many factors.

This makes it a lot easier to compare rates but having to visit each company’s website and repetitively type in the same information can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest possible prices on auto insurance.

Compare rates the easy way

The easiest way to compare auto insurance pricing uses one simple form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes rate comparisons much simpler. After your information is entered, it is rated and you can choose any of the quotes returned.

If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To quickly find out how much you can save on auto insurance, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input your coverages just like they are on your policy. This way, you are getting an apples-to-apples comparison using the same coverage and limits.

Chevy Tracker insurance rates are influenced by…

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Rate your vehicle for proper use – Driving more miles in a year’s time the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your Tracker may be costing you. Double check that your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance rates.
  • Do you qualify for a multi-policy discount? – Some companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Mature drivers pay less – Teen drivers are known to be less responsible when driving so insurance rates are higher. Parents adding a young driver onto your insurance can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Chevy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance? Occupations such as judges, executives and accountants are shown to have higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, professions such as scientists, athletes and performers pay the least for Tracker coverage.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Poor credit can mean higher rates – A driver’s credit score is a huge factor in determining your rates. So if your credit score is lower than you’d like, you could be paying less to insure your 1998 Chevrolet Tracker by improving your rating. People with high credit ratings tend to be more responsible than drivers who have poor credit.

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Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions might help in determining whether you may require specific advice.

  • When should I not file a claim?
  • Can my babysitter drive my car?
  • Where can I find DUI or SR-22 insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my 1998 Chevy Tracker qualify for pleasure use?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Can I still get insurance after a DUI?
  • How much liability coverage do I need in my state?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Ads can be misleading

Auto insurance companies such as State Farm and Allstate continually stream ads on television and other media. They all seem to have a common claim of big savings after switching your coverage to them. How do they all make the same claim?

All the different companies have a certain “appetite” for the type of driver that makes them money. For example, a driver they prefer could possibly be between 30 and 50, is a homeowner, and has excellent credit. A customer who matches those parameters will get the preferred rates and therefore will save when switching.

Drivers who don’t measure up to this ideal profile will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can advertise the savings.

This emphasizes why drivers should compare as many rates as you can. It is impossible to predict which auto insurance company will fit your personal profile best.

Insurance coverages 101

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, hospital visits, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance covers damage to your Tracker caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a bird and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, medical expenses, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Spend less. Save more.

Discount 1998 Chevy Tracker insurance is attainable online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just learned many ideas to reduce insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for any number of reasons including delays in paying claims, questionable increases in premium, being labeled a high risk driver or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

More learning opportunities

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