1993 Chevrolet Lumina Minivan Insurance Quotes

Want better car insurance rates for your Chevrolet Lumina Minivan? Trying to come up with a payment for expensive car insurance can empty your savings and maybe even restrict other spending. Insurance companies such as State Farm, GEICO and Farmers Insurance increase brand awareness with catchy ads and it can be hard to separate fact from fiction and find the best price available.

You need to check car insurance prices on a regular basis because car insurance prices go up and down regularly. If you had the lowest quotes for Lumina Minivan coverage a year ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to show you the proper way to find lower rates on car insurance.

Cheap car insurance price quotes

Finding a better price on car insurance can be relatively painless. You just have to take time comparing price quotes to find the company with inexpensive auto insurance quotes. It is quite easy and can be accomplished by following the guidelines below.

  • The fastest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This quick form eliminates the need for separate quote forms for every prospective company. A single form gets coverage cost estimates instantly.
  • A different way to compare prices requires visiting the website for each individual company to request a price quote. For example, let’s assume you are doing a rate comparison from Liberty Mutual, State Farm and Farmers. You would have to spend time going to each site individually and punch in your information repeatedly, which is why first method is reommended.

    For a list of links to insurance companies in your area, click here.

  • Even if you have time, the least recommended method to shop rates is to waste gas driving to local insurance agencies. The ability to get quotes online has made agencies unnecessary unless you require the professional assistance that only a licensed agent can provide. Although you can compare online quotes and still use a local agent.

Compare rates however you want, just be certain you are entering exactly the same coverage limits and deductibles on every quote you get. If you have different data it will be nearly impossible to make a fair rate comparison.

Be skeptical of insurance ads

Consumers can’t get away from all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all seem to make the point about how much you will save just by moving your policy.

That’s great but how can every company lower your rates? It’s all in how they say it.

Companies have specific guidelines for the type of driver that makes them money. A good example of a profitable insured should be married and over the age of 30, has no tickets, and drives less than 5,000 miles a year. A customer getting a price quote who matches that profile is entitled to the best price and have a good chance to save some money.

Potential customers who cannot meet the requirements will probably have to pay higher premiums which results in business going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully make claims like that. This illustrates why you should get a wide range of price quotes. It’s just too difficult to predict the company that will provide the lowest prices.

Insurance coverage discounts are available to slash your rates

Companies offering auto insurance don’t always advertise every policy discount in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known insurance coverage savings.

  • Online Discount – Many companies will give a small break just for signing your application digitally online.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • Discounts for Multiple Vehicles – Buying a policy with all your vehicles on one policy may reduce the rate for each vehicle.
  • Include Life Insurance and Save – Select insurance coverage companies reward you with a discount if you purchase some life insurance too.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.

Discounts lower rates, but most discounts do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way.

A few companies who may offer some of the discounts shown above may include but are not limited to:

Before you buy a policy, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. To view companies with discount rates, click this link.

Everyone needs different car insurance coverages

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to my business vehicle?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?
  • Do I need rental car coverage?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like funeral costs, ambulance fees, surgery and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, theft, hail damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Chevy Lumina Minivan.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability car insurance

Liability coverage can cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, court costs and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Have the Midas touch

Budget-friendly insurance coverage is possible on the web as well as from insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not offer the ability to get quotes online and usually these small insurance companies sell through local independent agents.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

We just presented many ways to compare 1993 Chevy Lumina Minivan insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost auto insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Much more information about insurance coverage can be read below: