Save on 1993 Chevrolet Lumina Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Lumina? Having to pay for overpriced Chevrolet Lumina insurance can empty your savings account, especially in this economy. Comparing rate quotes is recommended to tighten up your finances.

You have so many car insurance companies to choose from, and although it’s nice to have multiple companies, lots of choices makes it harder to find a good deal.

How to get the cheapest auto insurance

The majority of larger companies make it easy to get prices for coverage directly from their websites. Getting online rates is quite simple as you simply enter the amount of coverage you want into a form. Once entered, their system collects information on your driving record and credit history and returns pricing information based on the data you entered. Online price quotes makes it easy to compare insurance prices but the time required to go to several different sites and type in the same information is not the best way to spend an afternoon. But it’s necessary to have as many quotes as possible if you want to find a lower rate.

Keep reading for an easier way to compare prices

The quickest way to compare rates requires only one form that analyzes rates from a bunch of companies at once. This type of form saves time, requires less work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it is rated and you can choose any of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here and enter your information. If you have coverage now, it’s recommended you duplicate the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will have comparison quotes based on identical coverages.

More discounts mean cheaper premiums

Auto insurance is not cheap nor is it fun to buy but you may find discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• Cautious Driver Discount – Insureds without accidents may save up to 50% more on Lumina coverage than their less cautious counterparts.
• Professional Memberships – Affiliation with a professional or civic organization could qualify you for a break on auto insurance.
• Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
• Anti-lock Brake Discount – Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
• E-sign – Many companies will discount your bill up to fifty bucks for buying your policy on the internet.
• Active Service Discounts – Being deployed with a military unit could qualify you for better auto insurance rates.
• Multi-line Discount – Insurance companies who offer life insurance give better rates if you take out some life insurance in addition to your auto policy.
• Discount for Home Ownership – Just being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home demonstrates responsibility.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

A list of companies and some of the discounts can be found below.

• Farm Bureau policyholders can earn discounts including 55 and retired, good student, safe driver, multi-policy, driver training, and renewal discount.
• Liberty Mutual may include discounts for preferred payment discount, good student, multi-policy, newly married, and new graduate.
• State Farm offers discounts for accident-free, Steer Clear safe driver discount, good student, driver’s education, multiple autos, and passive restraint.
• Auto-Owners Insurance offers discounts including paid in full, multiple vehicles, paperless, mature driver, air bags, student away at school, and multi-policy.
• GEICO discounts include seat belt use, air bags, anti-theft, membership and employees, driver training, emergency military deployment, and good student.
• SAFECO has savings for teen safe driver, anti-lock brakes, homeowner, teen safety rewards, and accident prevention training.

When getting free insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of companies that offer discounts, follow this link.

It’s not one size fits all

When buying adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can aid in determining if your situation may require specific advice.

• How high should my medical payments coverage be?
• Should I drop comprehensive coverage on older vehicles?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have coverage if my license is suspended?
• Where can I find high-risk insurance?
• How can I find cheaper teen driver insurance?
• What is high-risk coverage and where do I buy it?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like structural damage, loss of income, attorney fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Lumina resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car, rolling your car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, EMT expenses, ambulance fees and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible