1999 Chevrolet Tracker Insurance Rates – 9 Tips to Save

Locating cheaper insurance for a Chevy Tracker can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for your Chevy and obtain the lowest price.

It’s a good idea to compare rates quite often since rates are adjusted regularly by insurance companies. Even if you think you had the best price for Tracker insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Compare Insurance Costs

Getting a lower price on 1999 Chevy Tracker insurance can be surprisingly simple. Drivers just need to invest a few minutes comparing rates from different insurance companies. This can be done in several different ways.

  • Probably the best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. Completing one form compares rates from many national carriers. Just one form and you’re done.
  • A harder way to analyze rates is going to each individual company website to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Nationwide, 21st Century and GMAC. You would have to spend time on each company’s site and enter your 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 be sure to compare exactly the same information for each comparison quote. If each company quotes different values for each quote then you won’t be able to determine the best price for your Chevy Tracker.

Are you getting all your discounts?

Car insurance companies do not list all available discounts very clearly, so here is a list both well-publicized and the harder-to-find ways to save on auto insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Senior Citizens – Mature drivers may qualify for reduced rates for Tracker insurance.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when shopping for auto insurance for Tracker insurance.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Tracker insurance than their less cautious counterparts.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.

It’s important to note that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurers offering auto insurance discounts, follow this link.

When might I need an agent?

When it comes to choosing the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Which is better, split liability limits or combined limits?
  • Am I covered if hit by an uninsured driver?
  • Am I covered by my spouse’s policy after a separation?
  • When would I need rental car insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Can my teen drive my company car?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I benefit by insuring my home with the same company?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance specifics

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as pain medications, prosthetic devices, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hail damage, damage from a tornado or hurricane, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Tracker.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

This can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, pain and suffering and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Tracker resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Make an honest buck

In this article, we presented some good ideas how you can save on 1999 Chevy Tracker insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best prices are with a smaller regional carrier.

Insureds change insurance companies for a variety of reasons including delays in paying claims, policy non-renewal, extreme rates for teen drivers or policy cancellation. No matter why you want to switch, choosing a new company is actually quite simple.

Budget-conscious insurance can be sourced both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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