Lower Your 1990 Chevrolet Lumina Car Insurance Quotes

Shoppers have lots of choices when shopping for low-cost Chevy Lumina insurance. They can either waste time driving around to compare prices or save time using the internet to find the lowest rates. There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for your Chevy and locate the best price possible from local insurance agents and online providers.

It’s a great practice to get comparison quotes every six months because insurance coverage rates change regularly. Just because you had the best deal on Lumina insurance a few years ago a different company probably has better prices today. Ignore everything you know about insurance coverage because you’re about to learn the right way to find great coverage at a great price.

If you are insured now or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. This information will help you learn how to effectively get price quotes and some money-saving tips. Consumers just need to understand the proper methods to shop their coverage around online.

First Step: Get free insurance coverage quotes

Getting a cheaper price on 1990 Chevy Lumina insurance is actually easier than you may think. The only requirement is to spend a little time to compare rate quotes provided by online insurance companies. Comparing prices online can be done by following the guidelines below.

  1. One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form keeps you from doing boring form submissions for every prospective company. A single form gets prices estimates from insurance coverage companies with the best prices. This is by far the quickest method.
  2. A less efficient way to compare prices is to manually visit the website for every company you want to comare to complete a price quote. For instance, let’s assume you need rates from Auto-Owners, Progressive and State Farm. To find out each rate you need to spend time going to each site individually and enter your information, which can get rather old.

    To view a list of companies in your area, click here.

  3. Even if you have time, the least recommended way to find lower rates is making phone calls or going to insurance agencies in your area. Quoting online eliminates the middleman unless you have a need for the trained advice only provided by licensed agents. It is possible with some companies get the lowest quotes online and get advice from an agent in your area.

Take whichever approach you prefer, but be certain you are entering equivalent coverage limits on every quote you get. If you enter differing limits it will be next to impossible to get a fair rate comparison.

Reduce insurance rates with these tips

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help determine your car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

  • Big city or small town – Being located in less populated areas may provide you with better prices when talking about car insurance. Less people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have much more traffic and more time behind the wheel. More time behind the wheel can result in more accidents.
  • Buy a safe car and pay less – Cars with five star safety ratings can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your Chevy Lumina has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Bump up physical damage deductibles to lower rates – Your deductibles define how much you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage protection, aka comp and collision, covers damage that occurs to your car. A few examples of covered claims would be rearending another vehicle, collision with a deer, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the less your car insurance will be on Lumina insurance.
  • Maintain car insurance coverage – Having a gap between insurance policy dates will be a sure-fire way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage can result in a fine, jail time, or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Cheaper rates after marriage – Getting married actually saves money when shopping for car insurance. Having a significant other generally demonstrates drivers are more mature and statistics prove drivers who are married file infrequent claims.
  • Gender and insurance rates – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that women are better drivers. Both genders are responsible for auto accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also get higher numbers of serious violations like DUI and reckless driving. Young males generally have the highest accident percentage so it costs more to insure them.

Use discounts on auto insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be specially asked for before being credited.

  • Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
  • Professional Memberships – Being a member of a professional or civic organization could trigger savings on your next renewal.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Auto/Home Discount – If you combine your homeowners and auto policies and place coverage with the same company you will save 10% to 20% off each policy.
  • Multi-line Discount – Larger companies have a discounted rate on car insurance if you buy a life policy as well.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Sign Early and Save – Some insurance companies provide a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Resident Student – who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
  • Senior Discount – Mature drivers may qualify for a small discount on rates on Lumina insurance.

Remember that most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will help reduce your premiums.

Companies and a partial list of their discounts are outlined below.

  • American Family policyholders can earn discounts including accident-free, air bags, mySafetyValet, bundled insurance, multi-vehicle, early bird, and TimeAway discount.
  • State Farm offers premium reductions for defensive driving training, driver’s education, multiple policy, accident-free, Drive Safe & Save, and student away at school.
  • 21st Century has discounts for teen driver, 55 and older, air bags, early bird, and automatic seat belts.
  • Travelers includes discounts for multi-car, new car, student away at school, IntelliDrive, and save driver.
  • GEICO offers discounts for membership and employees, seat belt use, good student, multi-policy, military active duty, and anti-lock brakes.

Before buying, ask each company which discounts you qualify for. Depending on the company, some discounts may not apply in your state. To view insurers who offer discounts, click this link.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • Exactly who is provided coverage by my policy?
  • When should my teen driver be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find high-risk insurance?
  • Should I carry comprehensive and collision coverage?
  • Do I need higher collision deductibles?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, dental work, doctor visits and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

This covers damage to your Lumina caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical services, emergency aid, repair bills for other people’s vehicles, medical expenses and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Lumina.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

What is YOUR best insurance company?

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. The aim is to find the BEST coverage for the lowest cost, but do not skimp to save money.

Cheap 1990 Chevy Lumina insurance is possible online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online rate quotes and most of the time these smaller providers work with local independent agencies.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, poor customer service or even high prices. No matter why you want to switch, choosing a new insurance company is easier than you think.

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