Cheaper 1997 Chevrolet Lumina Insurance Rates

Looking for the cheapest car insurance rates for your Chevrolet Lumina? Finding the cheapest insurance for your Chevy Lumina can turn out to be difficult, but you can use the following methods to save time. There is a better way to compare car insurance rates and we’ll show you the proper way to price shop coverage on a Chevy and find the lowest price from local insurance agents and online providers.

How to compare free insurance coverage quotes

Getting a low cost price on 1997 Chevy Lumina insurance is pretty simple and can save money. Drivers just need to spend a few minutes on the computer comparing free insurance quotes to find the company with cheaper insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

• Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form keeps you from doing separate quotes for every insurance coverage company. In just a few minutes this one form gets you coverage quotes from many national carriers. This is perfect if you don’t have a lot of time.
• A more difficult way to shop for insurance coverage online is to take the time to go to the website for every company you want to comare and repeat the quote process. For instance, let’s say you want to compare rates from Nationwide, Progressive and Travelers. You would have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

  For a list of links to insurance companies in your area, click here.

• The least recommended way to compare price quotes is to drive around to each insurance agency near you. The fact that you can get quotes online has reduced the need for local agents unless your situation requires the personal advice that you can only get from talking to an agent. Although you can obtain prices from the web and have a local agent actually service the policy.

Compare rates however you want, just do your best to use the same quote data for each price quote. If you have different liability limits you will not be able to determine which rate is truly the best.

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Tricks in car insurance advertising

Consumers can’t get away from ads that claim the cheapest premium rates by Geico, State Farm and Progressive. All the companies tend to make the same promise about saving some big amount if you just switch to their company.

Is it even possible that every company can give you a better price? This is how they do it.

Most companies quote their best rates for the type of driver that will generate a profit. An example of a driver they prefer could possibly be a mature driver, has a low-risk occupation, and drives less than 5,000 miles a year. A propective insured that matches those criteria receive the lowest rate quotes as well as cut their rates substantially.

Drivers who don’t measure up to this stringent profile will probably have to pay higher rates which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “all people who quote” save that much. This is how insurance companies can make those claims. This really emphasizes why it is so important to get a wide range of price quotes. It’s just not possible to know with any certainty which company will provide you with the cheapest premium rates.

Find hidden discounts to get affordable insurance rates

Insurance is not inexpensive, but you may qualify for discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but occassionally some discounts must be asked about prior to getting the savings.

• Smart Student Discounts – Excelling in school can save 20 to 25%. Most companies allow this discount until age 25.
• Resident Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Drive Less and Save – Driving fewer miles could earn substantially lower insurancerates.
• Telematics Discount – People who choose to allow driving data submission to spy on driving habits by using a telematic data system such as State Farm’s In-Drive might get better premium rates if they show good driving skills.
• Early Switch Discount – A few companies give discounts for buying a new policy early. Ten percent is about the average savings.
• Savings for New Vehicles – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.
• No Claim Discounts – Drivers with accident-free driving histories pay less as opposed to drivers who are more careless.
• Save with More Vehicles Insured – Having multiple vehicles with the same insurance company can get a discount on all vehicles.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate, Progressive, and Geico will let one accident slide before raising your premiums so long as you are claim-free for a particular time prior to the accident.
• Safe Drivers – Drivers who avoid accidents may save up to 50% more on Lumina coverage as compared to drivers with claims.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous.

To view insurers who offer discounts, follow this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

• What is high-risk coverage and where do I buy it?
• Are all vehicle passengers covered by medical payments coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need special endorsements for business use of my vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Are my tools covered if they get stolen from my vehicle?
• What companies insure drivers after a DUI or DWI?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Car insurance 101

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for collisions

Collision coverage pays for damage to your Lumina from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, theft, a broken windshield and damage from getting keyed. The maximum amount your 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for rehabilitation expenses, prosthetic devices, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Have the Midas touch

You just learned some good ideas how to get a better price on 1997 Chevy Lumina insurance. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance. Drivers may discover the most savings is with a small local company.

When getting insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to find out they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, high prices and questionable increases in premium. No matter why you want to switch, choosing a new insurance company can be easier than you think.

To learn more, feel free to visit the following helpful articles:

• Auto Insurance Learning Center (State Farm)
• Teen Driving and Texting (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)

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