2002 Chevrolet Tracker Insurance Quotes – 6 Ways to Save

Wish you could get out of an expensive auto insurance policy? You’re preaching to the choir because there are lots of people in the same boat.

With consumers having so many options, it is very difficult to locate the right auto insurance provider.

The method we recommend to compare insurance rates from multiple companies is to know most insurance companies participate in online systems to give free rates quotes. The one thing you need to do is give the companies some data such as your general credit rating, if it has an alarm system, whether you are married, and coverage limits. That rating data is then sent to many different companies and they respond with quotes instantly to find the best rate.

To find the cheapest 2002 Chevy Tracker insurance rates, click here and complete the form.

Insurance coverage companies offer many types of discounts

Auto insurance companies don’t always advertise every policy discount in an easy-to-find place, so we researched some of the best known and the more hidden credits available to bring down your rates.

  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance on Tracker insurance with select insurance companies.
  • Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase life insurance.
  • Good Student Discount – Excelling in school can save 20 to 25%. This discount can apply well after school through age 25.
  • One Accident Forgiven – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Tracker insurance than drivers with accidents.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared to insureds who have frequent claims or accidents.

We need to note that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, nobody gets a free ride.

Auto insurance companies that may offer quotes with many of the previously listed discounts may include but are not limited to:

Double check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to see a list of insurance coverage companies that provide some of the discounts listed above, click here.

Do I just need basic coverages?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if you would benefit from an agent’s advice.

  • Who is covered by my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to a rental car in a foreign country?
  • What happens if I owe more than my 2002 Chevy Tracker is worth?
  • How much can I save by bundling my policies?
  • Are rock chip repairs covered?
  • Do I need PIP coverage since I have good health insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 2002 Chevy Tracker need full coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Parts of your auto insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, chiropractic care, ambulance fees and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Tracker.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, loss of income, medical services and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.