How Much Does 1991 Chevrolet Lumina Insurance Cost?

Trying to find lower auto insurance rates for your Chevrolet Lumina? If you’re trying to find more affordable insurance online, are you frustrated by the dozens of auto insurance sources available to you? Vehicle owners have so many sources available that it can be a difficult situation to find the best auto insurance rates.

Buy auto insurance online

To find the best auto insurance quotes, there are several ways to obtain and compare prices from auto insurance companies in your area. The simplest method to lower the rate you pay for 1991 Chevy Lumina insurance is to get quotes online. This can be done in just a few minutes using one of these methods.

The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This form saves time by eliminating boring form submissions for each company. One quote request gets coverage cost estimates instantly. It’s the fastest way to compare.

A harder way to get comparison quotes requires a visit to the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want to compare State Farm, Liberty Mutual and GMAC. To get each rate you have to spend time going to each site individually and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

The hardest way to comparison shop is to spend your day driving to each insurance agency near you. The internet makes this process obsolete unless you have a need for the extra assistance that you can only get from talking to an agent. Although you can compare the best prices online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make sure you are using the exact same information for each price quote. If you enter unequal deductibles or liability limits you will not be able to determine the lowest rate for your Chevy Lumina. Even a minor difference in insurance coverages or limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes increases the change that you will find the best rates. Some regional insurers cannot provide price estimates online, so you also need to get prices on coverage from those companies, too.

Save $422 a year? Really?

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads advertise the message about saving some big amount just by moving your insurance coverage policy to them. How does every insurance coverage company give you a better price? This is how they do it.

Insurance providers have a preferred profile for the type of customer that earns them the most money. One example of a profitable customer might be between 25 and 40, owns their home, and drives a car with an anti-theft system. A customer getting a price quote that meets those criteria will get the preferred prices and therefore will save money with a new company.

Consumers who don’t measure up to this stringent profile may be forced to pay a higher premium which usually ends up with the prospect going elsewhere. Company advertisements say “customers who switch” not “everyone who quotes” save that much when switching. This is how companies can make those statements.

This really emphasizes why it is so important to compare free auto insurance quotes often. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Auto insurance discounts help lower rates

Companies offering auto insurance do not list all possible discounts very well, so the list below details a few of the more well known and the harder-to-find discounts you could be receiving when you buy auto insurance online. If they aren’t giving you every credit available, you are just wasting money.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Homeowners Discount – Just owning your own home can save a few bucks because owning a home demonstrates responsibility.
  • Claim Free – Drivers who don’t have accidents pay less in comparison to bad drivers.
  • New Vehicle Savings – Buying a new car instead of a used car can get you a discount since newer vehicles are generally safer.
  • Bundle and Save – If you can combine your homeowners and auto policy with one insurance company you could save as much as 10 to 15 percent.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

A partial list of companies that possibly offer most of the discounts above are:

Before buying, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your area. If you would like to view providers that can offer you the previously mentioned discounts, click this link.

Which is the best car insurance?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Are rock chip repairs covered?
  • When do I need to add a new car to my policy?
  • Is my 1991 Chevy Lumina covered for flood damage?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 1991 Chevy Lumina need full coverage?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages and their meanings

Learning about specific coverages of your car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills for ambulance fees, rehabilitation expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Lumina.

Since a lot of drivers carry very low liability coverage 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. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – This coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like structural damage, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Affordable insurance is out there

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage and learned later that they should have had better coverage. The aim is to find the BEST coverage at the best possible price while still protecting your assets.

Low-cost 1991 Chevy Lumina insurance is available on the web in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer internet price quotes and these smaller companies prefer to sell through local independent agencies.

Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, policy non-renewal, poor customer service or not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be pretty painless.

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