View 1991 Chevrolet Lumina Minivan Insurance Quotes

Trying to find better insurance rates for your Chevrolet Lumina Minivan? High-priced insurance can consume your monthly budget and force you to tighten up your finances. Doing a price comparison is a fast and free way to ensure you are getting the best deal.

Companies like Geico and Progressive continually hit you with advertising and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Take advantage of every insurance discount

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so the list below details a few of the more well known and the harder-to-find discounts that you may qualify for. If you aren’t receiving every discount possible, you are not getting the best rate possible.

• Senior Citizen Rates – If you’re over the age of 55, you could receive a slight reduction on a auto insurance quote on Lumina Minivan insurance.
• Homeowners Savings – Being a homeowner may trigger a policy discount on insurance since home ownership is proof that your finances are in order.
• Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
• Driver Training Discounts – Taking a course in driver safety is a good idea and can lower rates if you qualify.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
• Good Driver Discounts – Accident-free drivers may save up to 50% more on Lumina Minivan insurance than drivers with accident claims.
• Switch and Save Discount – A few insurance companies give discounts for renewing your policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% since newer models have better safety ratings.
• Distant College Student Discount – Children who live away from home to go to college and do not have a car may be able to be covered for less.
• Driving Data Discount – People who choose to allow data collection to study where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if they are good drivers.

You can save money using discounts, but some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of insurance companies and some of the premium reductions they offer are shown below.

• Geico may include discounts for multi-vehicle, daytime running lights, five-year accident-free, seat belt use, and anti-theft.
• Mercury Insurance may have discounts that include multi-car, low natural disaster claims, anti-theft, type of vehicle, age of vehicle, and annual mileage.
• Farmers Insurance includes discounts for pay in full, early shopping, youthful driver, teen driver, electronic funds transfer, and business and professional.
• Auto-Owners Insurance offers discounts for teen driver, multi-policy, anti-theft, multiple vehicles, and safe vehicle.
• Liberty Mutual has savings for new move discount, newly married, multi-policy, newly retired, safety features, multi-car, and hybrid vehicle.
• SAFECO policyholders can earn discounts including multi-car, teen safe driver, drive less, bundle discounts, anti-theft, accident prevention training, and anti-lock brakes.
• Progressive discounts include online signing, homeowner, multi-policy, online quote discount, and continuous coverage.
• USAA offers premium reductions for defensive driver, multi-vehicle, new vehicle, vehicle storage, military installation, loyalty savings, and safe driver.

If you need lower rates, check with every company what discounts are available to you. Discounts may not apply to policyholders in every state. To view providers with the best insurance discounts, click this link.

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Five things that affect your insurance rates

A large part of saving on car insurance is knowing some of the things that go into determining your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with big savings. Many things are used when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other criteria are less apparent such as your marital status and annual miles driven.

• Cheaper rates by bundling – Lots of insurance companies will give better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal. It’s possible to still save more without the discount by buying from different companies
• Single drivers take more risk – Your spouse may earn you lower rates on your car insurance bill. Having a significant other is viewed as being more financially stable it has been statistically shown that being married results in fewer claims.
• Save by driving safer cars – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Lumina Minivan is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
• Are you male or female? – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better at driving than males. Both sexes cause fender benders in similar numbers, but guys have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore have the most expensive car insurance rates.
• How much liability protection – A critical coverage on your policy, liability insurance kicks in if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

How to know if you need help

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out whether or not you may require specific advice.

• What companies insure drivers after a DUI or DWI?
• Is business equipment covered while in my vehicle?
• What can I do if my company won’t pay a claim?
• Am I covered if I hit my neighbor’s mailbox?
• Does insurance cover damages from a DUI accident?
• Should I buy only the required minimum liability coverage?
• Do I need replacement cost coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Chevy Lumina Minivan

Learning about specific coverages of your car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like attorney fees, emergency aid, structural damage and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision insurance covers damage to your Lumina Minivan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as EMT expenses, dental work and funeral costs. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding, rock chips in glass, damage from a tornado or hurricane and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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The bottom line

In this article, we covered a lot of information how to shop for 1991 Chevy Lumina Minivan insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest premium rates come from a smaller regional carrier. These companies can often provide lower prices in certain areas than their larger competitors like Progressive or Geico.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Affordable 1991 Chevy Lumina Minivan insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agents.

Even more information is available in the articles below:

• Distracted Driving (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Choosing a Car for Your Teen (State Farm)
• Anti-Lock Brake FAQ (iihs.org)

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