Cut your Geo Tracker Insurance Rates in Five Minutes
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But most likely we pay more than we want to and don't really enjoy the buying process. Finding insurance for your Geo Tracker that you can actually afford is probably no different.
Step One: Compare Multiple Rate Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. But you can now comparison shop and buy direct online!
Getting online rate quotes for a Geo Tracker from all the major insurance companies is very easy and only requires you to enter your information once.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Tracker is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Lower your Tracker Insurance Premium
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Tracker that will also lower the rate you pay irregardless of which company you choose.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- SUV's are more complex in design than your average passenger sedan, so expect to pay a little more for insurance.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Bind Coverage and Cancel your Old Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Tracker that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
Before you drive your Geo Tracker home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Tracker.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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