How Much Does 2001 Chevrolet Tracker Insurance Cost?
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UPDATED: Mar 4, 2020
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Want better insurance rates? Drivers have options when trying to find the best price on Chevy Tracker insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to buy insurance and you need to know the best way to get price quotes for a new or used Chevy and get the lowest price.
You need to compare rates on a regular basis because prices are usually higher with each renewal. Even if you think you had the best rates on Tracker coverage last year other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn the best methods to get good coverage at a lower rate.
Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to save some money using these methods. Consumers only need an understanding of how to find the lowest price online.
How to Lower Your Insurance Coverage Cost
Finding a better price on insurance coverage can be quick and easy. All that’s required is to spend a few minutes comparing rates provided by online insurance companies. This can be done in a couple of different ways.
One of the simplest ways to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do repetitive form entry for each company. A single form will get you price quotes from several companies. Just one form and you’re done.
A more difficult way to get quotes online requires you to visit the website for each individual company to request a price quote. For sake of this example, we’ll assume you want to compare rates from GEICO, Liberty Mutual and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.
It doesn’t matter which method you choose, just make sure you use identical information for each comparison quote. If you are comparing different limits and deductibles on each one it will be next to impossible to find the best deal for your Chevy Tracker.
Discounts are available to cut your rates
Companies don’t always list all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the more hidden ways to save on insurance. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- Senior Citizens – Mature drivers can possibly qualify for reduced rates on Tracker coverage.
- Own a Home – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
- Military Discounts – Having a deployed family member could be rewarded with lower premiums.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Companies that may have these discounts are:
It’s a good idea to ask each company how you can save money. Discounts might not apply in your state.
Everyone needs different coverages
When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.
Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.
- Where can I get insurance after a DUI in my state?
- Do I need rental car coverage?
- What is high-risk coverage and where do I buy it?
- Can my teen driver be rated on a liability-only vehicle?
- How much can I save by bundling my policies?
- Is my custom paint covered by insurance?
- Is business equipment covered while in my vehicle?
- If I drive on a suspended license am I covered?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.
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Elements that influence Chevy Tracker insurance rates
Consumers need to have an understanding of the factors that help determine your car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
The following are some of the factors used by your company to calculate rates.
- Proper usage rating affects rates – The more you drive every year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance policy properly reflects the correct driver usage. Incorrect usage on your Tracker can result in significantly higher rates.
- Consolidate policies to earn discounts – Most companies provide better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal.
- Equipment add-ons that lower car insurance rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
- Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations such as lawyers, executives and accountants tend to pay higher rates than average due to high stress and long work days. On the flip side, occupations such as farmers, athletes and homemakers have the lowest average rates on Tracker coverage.
- Policy add-ons can waste money – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. They may seem good initially, but if they’re wasting money remove them from your policy.
- Always keep insurance in force – Allowing your car insurance policy to lapse is a guaranteed way to pay more for car insurance. Not only will rates go up, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
Auto insurance myths debunked
Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all seem to make the same claim that you can save if you change your coverage to them.
But how can every company make almost identical claims?
All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable customer might be over the age of 50, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile will get the preferred rates and most likely will save when they switch companies.
Potential insureds who fall outside these standards will have to pay higher rates and this can result in business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently state the savings. Because of the profiling, you absolutely need to get quotes from several different companies. It’s not possible to predict which auto insurance company will have the lowest Chevy Tracker insurance rates.
Specific coverage details
Learning about specific coverages of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for bills for surgery, X-ray expenses, chiropractic care and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability auto insurance
This coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses, loss of income, pain and suffering and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.
Coverage for collisions
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle, driving through your garage door and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Tracker.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive auto coverage
This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as a broken windshield, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Pennies from heaven
Drivers leave their current company for any number of reasons including lack of trust in their agent, policy non-renewal, delays in responding to claim requests and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.
As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
We just covered quite a bit of information on how to shop for 2001 Chevy Tracker insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.
To learn more, feel free to browse the resources below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Rollover Crash FAQ (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Vehicle Safety Ratings (iihs.org)
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