Lower Your 1991 Chevrolet Lumina Insurance Quotes

Trying to find the cheapest car insurance rates for your Chevrolet Lumina? Price shopping your car insurance can be hard for drivers new to comparison shopping online. With so many insurance agents and insurers to choose from, it can quickly become a challenge to locate the lowest rates.

Buy insurance online

To get inexpensive auto insurance quotes, there a variety of ways to get quotes from many insurance companies in your state. The simplest method to compare Chevy Lumina insurance prices involves getting comparison quotes online. It’s really quite simple and can be done using a couple different methods.

1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotes for every company. One form compares rates direct from many companies. This is by far the quickest method.
2. A less efficient way to shop for insurance online consists of going to each company’s website to complete their respective quote request forms. For examples sake, let’s say you are doing a rate comparison from Liberty Mutual, Allstate and Travelers. You would need to navigate to each company’s site and repeatedly enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
3. If you have time to kill, the last method to get price estimates to and from local insurance agencies. Comparing rate quotes online eliminates this option unless you require the trained guidance only provided by licensed agents. Some companies do allow you to compare the best prices online but buy from a local insurance agent.

It’s your choice how you get your quotes, but make darn sure you compare the exact same quote data for each price quote. If your comparisons have mixed coverages then you won’t be able to determine the lowest rate for your Chevy Lumina. Even a minor difference in limits may cause a big price difference. Just keep in mind that comparing all the rates in your area gives you a better chance of getting more affordable rates.

Insurance policy discounts you can’t miss

Some providers do not advertise the entire discount list in an easy-to-find place, so the list below gives a summary of a few of the more common and the more hidden discounts that you may qualify for.

• Discount for Low Mileage – Keeping the miles down on your Chevy can earn slightly better insurancerates than normal.
• Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• Federal Employees – Federal government employees may qualify for a discount when you quote auto insurance on Lumina coverage with a few insurance companies.
• Senior Citizen Rates – Seniors may qualify for a small decrease in premiums on Lumina coverage.
• Telematics Data – Drivers who agree to allow data collection to track driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Own a Home – Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
• Discount for Life Insurance – Larger insurance carriers have a discounted rate on car insurance if you buy a life insurance policy as well.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will lower the amount you pay for coverage.

To see insurers that offer discounts, click here to view.

Insurance agents can help

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

• I have good health insurance, so how much medical payments coverage do I need?
• Do I need roadside assistance coverage?
• How much underlying liability do I need for an umbrella policy?
• Do I have any recourse if my insurance company denies a claim?
• Do I need to file an SR-22 for a DUI in my state?
• Should I put collision coverage on all my vehicles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my tools covered if they get stolen from my vehicle?
• Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy coverages for a Chevy Lumina

Having a good grasp of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a deer and vandalism. The maximum payout a car insurance company will pay at claim time 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.

Auto liability – Liability insurance can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, medical services, legal defense fees, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Lumina.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for EMT expenses, pain medications, funeral costs and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision – This coverage covers damage to your Lumina from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.