Lower Your 2000 Chevrolet Lumina Insurance Quotes

Trying to find lower auto insurance rates for your Chevrolet Lumina? Are you regretting buying an underperforming, overpriced auto insurance policy? Don’t feel bad because there are many people just like you.

Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every company to discover the definitive best rates possible.

More discounts mean lower-cost premiums

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Many of these discounts will be applied automatically when you quote, but less common discounts must be inquired about before they will apply.

• Defensive Driver – Taking time to complete a course in safe driver is a good idea and can lower rates if you qualify.
• Early Switch Discount – A few insurance companies allow discounts for buying a policy early. It could save around 10% when you buy auto insurance online.
• Military Rewards – Being on active deployment in the military could trigger a small discount.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
• Drive Less and Save – Keeping the miles down on your Chevy may enable drivers to earn discounted prices on garaged vehicles.
• Multi-Vehicle Discounts – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
• Smart Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. The good student discount can last well after school through age 25.
• Own a Home – Simply owning a home can earn you a little savings because it requires personal responsibility.
• Telematics Devices – Insureds who allow their insurance company to monitor when and where they use their vehicle by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
• Multi-line Discount – If the company offers life insurance, you could get lower premium rates if you buy life insurance.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers with the best discounts, click here.

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Why smart buyers pay less for Chevy Lumina insurance

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that help determine your insurance coverage rates. If you know what determines base rates, this empowers consumers to make smart changes that may result in lower premium levels.

• Low physical damage deductibles cost more – Comp and collision deductibles define how much you are willing to pay before your insurance coverage pays a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your car. A few examples of covered claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the bigger discount you will receive for Lumina coverage.
• Pleasure use saves money – Driving more miles in a year the more it will cost to insure it. A lot of companies apply a rate based on their usage. Cars not used for work or commuting get more affordable rates than cars that get driven a lot. Ask your agent if your insurance coverage policy properly reflects annual mileage, because improper ratings can cost you money. Improper usage on your Lumina is just wasting money.
• Maintain insurance coverage coverage – Allowing your insurance coverage policy to lapse is a quick way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license.
• Save money with alarm systems – Owning a car that has an advanced theft prevention system can help lower your premiums. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
• An active insurance claims history can cost more – If you tend to file frequent claims, don’t be surprised to see either higher rates or even cancellation. Insurance companies provide most affordable rates to insureds who are not frequent claim filers. Auto insurance is designed for more catestrophic claims.
• Save money by having excellent credit – Having a bad credit score is likely to be a major factor in calculating your premium rate. If your credit history leaves room for improvement, you could save money insuring your 2000 Chevrolet Lumina by repairing your credit. Insureds that have excellent credit tend to file fewer claims than drivers who have bad credit.
• Are males or females drivers cheaper? – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Males and females are responsible for accidents in similar numbers, but males tend to have more serious accidents. Not only that, but men also get ticketed for serious violations such as reckless driving.

It’s not one size fits all

When buying the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if your situation could use an agent’s help.

• Why do I only qualify for high-risk insurance?
• Should I have combined single limit or split liability limits?
• Am I covered when driving someone else’s vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Are rental cars covered under my policy?
• Should I drop comprehensive coverage on older vehicles?
• Who is covered by my policy?
• Am I covered if I hit a deer?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

But the ad said I’d save 15% in 15 minutes!

Popular insurance providers such as Geico, State Farm and Progressive continually stream television and radio advertisements. All the companies have a common claim about saving some big amount if you get a free auto insurance quote and switch your coverage. How do they all charge less that you’re paying now? It’s all in how they say it.

Most companies have a certain “appetite” for the type of driver that will add to their bottom line. An example of a desirable risk should be over the age of 45, insures multiple vehicles, and drives less than 10,000 miles a year. Anyone who fits those characteristics will get a cheap rate quote and will most likely save if they switch.

Insureds who do not meet those standards may be required to pay a higher premium which leads to the customer not purchasing. The wording the ads use say “people that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can confidently make claims like that.

This really illustrates why you absolutely need to get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will be your best fit.

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Car insurance coverages for a Chevy Lumina

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, funeral costs and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP 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 only offered in select states but can be used in place of medical payments coverage

Coverage for liability

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as court costs, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, theft, hitting a bird, falling objects and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage will pay to fix damage to your Lumina resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, rolling your car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Shop around and save

There are still a few companies who don’t offer price quotes online and these small, regional companies work with independent insurance agents. Affordable 2000 Chevy Lumina insurance can be bought online and from local agencies, and you need to price shop both to have the best chance of lowering rates.

In this article, we covered a lot of tips how to shop for 2000 Chevy Lumina insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Even more information can be read in the articles below:

• What is Covered by GAP Insurance? (Allstate)
• Booster Seat Ratings (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Medical Payments Coverage (Liberty Mutual)

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