Compare 2002 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 4, 2020

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Want the cheapest car insurance rates for your Chevrolet Tracker? Trying to find the cheapest insurance for a Chevy Tracker can turn out to be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a Chevy and get the lowest possible price.

If you are insured now or are just looking to switch companies, you can learn to find the best rates while maximizing coverage. Shopping for the cheapest insurance coverage is easy if you know what you’re doing. Consumers only need an understanding of the proper way to compare rates on the web.

The fastest way that we advise to compare rates is to know the trick almost all companies have advanced systems to give rate comparisons. The only thing you need to do is provide a small amount of information including how much education you have, whether the vehicles are used for commuting, how old drivers are, and whether your vehicle is owned or leased. The rating information is submitted instantly to many different companies and you get price estimates very quickly.

To find the cheapest insurance rates, click here and enter the information requested.

Is there deception in advertising?

Drivers can’t get away from ads for cheaper car insurance by Allstate and Progressive. All the companies make the same claim that you can save if you move to their company.

But how can every company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. For example, a driver they prefer could possibly be between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t qualify for the “perfect” profile will be quoted higher premiums and ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully claim big savings.

This emphasizes why you need to get as many quotes as possible. Because you never know the company that will provide you with the cheapest Chevy Tracker insurance rates.

More discounts equal less premium

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few must be specially asked for before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • 55 and Retired – Older drivers can possibly qualify for better car insurance rates on Tracker coverage.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Tracker coverage than drivers with accidents.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • New Car Discount – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

Consumers should know that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

For a list of insurers who offer car insurance discounts, click here to view.

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It’s not one size fits all

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining if you could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will filing a claim cost me more?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, a tree branch falling on your vehicle, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Tracker.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage pays for damage to your Tracker from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, prosthetic devices, doctor visits, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

The bottom line

Affordable 2002 Chevy Tracker insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented a lot of tips how to compare insurance prices online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured cut liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

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