Cheapest 2000 Chevrolet Tracker Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Want the cheapest car insurance rates for your Chevrolet Tracker? Are you tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other consumers.

With so many online and local companies to choose from, it is very difficult to choose the most cost effective company.

Finding affordable coverage is quite easy. Essentially anyone who is required by state law to have insurance will most likely be able to save money. But drivers must comprehend the methods companies use to market insurance on the web because it can help you find the best coverage.

Why your Chevy Tracker insurance rates may be high

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

  • Never let your coverage lapse – Allowing your auto insurance policy to lapse will be a sure-fire way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in a license revocation or jail time.
  • Policy add-ons can waste money – There are many add-on coverages that can waste your money on your auto insurance policy. Things like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so remove them from your policy.
  • Marriage brings a discount – Having a wife or husband can get you a discount on auto insurance. Having a spouse is viewed as being more responsible it has been statistically shown that married couples file fewer claims.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy Tracker has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Cut your premium with discounts

Auto insurance companies don’t always advertise every available discount very well, so we researched some of the more common and the harder-to-find discounts you could be receiving.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Paperwork-free – A few companies give back up to $50 just for signing your application over the internet.
  • Senior Discount – Mature drivers may receive a small decrease in premiums on Tracker insurance.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.

A little note about advertised discounts, most discounts do not apply the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

Car insurance companies that may have these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not apply in every state.

How can Allstate, GEICO and Progressive save drivers who switch?

Auto insurance providers like Allstate, GEICO and Progressive consistently run ads in print and on television. They all make the same claim that you’ll save big if you change to their company. How do they all say the same thing?

All the different companies have a preferred profile for the driver that makes them money. An example of a driver they prefer might be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside the “perfect” profile will be charged higher premiums which usually ends up with business going elsewhere. The ads state “customers who switch” not “people who quote” save that kind of money. That’s the way companies can make the claims of big savings. That is why it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Chevy Tracker insurance rates.

What is the best insurance coverage?

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What discounts do I qualify for?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I better off with higher deductibles on my 2000 Chevy Tracker?
  • When should I drop full coverage on my 2000 Chevy Tracker?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

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Parts of your auto insurance policy

Understanding the coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2000 Chevy Tracker.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you against other people’s claims. It does not 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. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like court costs, legal defense fees, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Save your cold hard cash

The cheapest 2000 Chevy Tracker insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide online quoting and these small, regional companies work with independent agents.

In this article, we presented some good ideas how you can get a better price on insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

To learn more, feel free to browse the following helpful articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the insurance rates for a 2000 Chevrolet Tracker?

Factors such as the driver’s age, location, driving history, and coverage options can influence the insurance rates for a 2000 Chevrolet Tracker.

Are older vehicles like the 2000 Chevrolet Tracker generally cheaper to insure?

Older vehicles like the 2000 Chevrolet Tracker can sometimes have lower insurance rates due to their lower market value and repair costs.

Is the location where I live a factor in determining insurance rates for a 2000 Chevrolet Tracker?

Yes, the location where you live can influence insurance rates for a 2000 Chevrolet Tracker. Areas with higher crime rates or higher instances of accidents may have higher insurance premiums.

Does my driving history impact insurance rates for a 2000 Chevrolet Tracker?

Yes, your driving history, including past accidents and traffic violations, can affect insurance rates for a 2000 Chevrolet Tracker. A clean driving record may result in lower premiums.

Can installing safety features in my 2000 Chevrolet Tracker lower insurance rates?

Yes, installing safety features such as anti-theft devices, airbags, or an alarm system in your 2000 Chevrolet Tracker may help lower insurance rates by reducing the risk of theft or injuries in accidents.

Does the insurance coverage level affect the cost of insuring a 2000 Chevrolet Tracker?

Yes, the level of insurance coverage you choose for your 2000 Chevrolet Tracker can impact the cost. Higher coverage limits or additional coverage options may result in higher premiums.

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