Compare 1995 Chevrolet Lumina Insurance Quotes

Overpriced car insurance can bottom out your accounts and make it impossible to make ends meet. Price shopping at each renewal is recommended to make sure you’re not throwing money away.

Due to the fact that there are so many companies to choose from, it’s difficult to locate the best company.

It’s smart to do price comparisons quite often because prices are constantly changing. If you had the best rate on Lumina insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest way to find better coverage at a better price.

How insurance companies determine Chevy Lumina insurance rates

Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are not as apparent such as whether you are married or your vehicle rating.One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that go into determining your insurance coverage rates. When you understand what determines base rates, this allows you to make educated decisions that can earn you big savings.

The items below are a partial list of the pieces that factor into your premiums.

  • Are you male or female? – Statistics show women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. Women and men cause at-fault accidents in similar percentages, but males tend to have more serious accidents. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving.
  • Your stress level may be raising your premiums – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as doctorsairline pilots and dentists usually pay higher premium rates in part from intense work situations and lengthy work days. Other jobs such as scientists, historians and performers pay lower than average rates on Lumina insurance.
  • Do thieves like your car? – Selecting a car model with a theft deterrent system can help lower your premiums. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.
  • Lower rates with a multi-policy discount – Lots of insurance companies provide a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s always a smart idea to comparison shop to help ensure you have the lowest rates. It’s possible to still find lower rates by splitting coverages up.
  • How much liability protection – Your insurance coverage policy’s liability coverage will provide protection if ever you are found liable for personal injury or accident damage. Liability provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

How to get free insurance quotes online

All the larger insurance companies allow you to get pricing from their websites. Getting prices online is fairly straightforward as you just type in your required coverages into the quote form. Behind the scenes, the company’s rating system automatically orders your credit score and driving record and quotes a price based on these and other factors. This streamlines rate comparisons, but the time it takes to visit many different websites and type in the same information is a big time waster. But it’s very important to do this if you want to find the lowest price.

There is a better way!

The smarter way to find lower prices uses one form to get prices from several companies at one time. It saves time, reduces the work, and makes comparison shopping much easier to do. Immediately after submitting the form, it is rated and you can choose any of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process only takes a few minutes and can result in significant savings.

To fill out one form to compare multiple rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This guarantees you will receive a fair comparison using the exact same coverages.

Get cheaper insurance quotes with discounts

Companies do not list every possible discount in an easy-to-find place, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you may qualify for.

  • Auto/Life Discount – Not all companies offer life insurance, but some may give you better premium rates if you take out life insurance.
  • Senior Citizen Discount – If you’re over the age of 55, you can get a small discount on rates on Lumina insurance.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Bundle and Save – If you have multiple policies with one insurance company you may save nearly 15% which can help you find low cost auto insurance.
  • Military Rewards – Having a family member in the military can result in better insurance rates.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, nobody gets a free ride.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm has savings for good student, safe vehicle, Steer Clear safe driver discount, driver’s education, and good driver.
  • Esurance may offer discounts for paid-in-full, DriveSense, anti-theft, Pac-12 alumni, and renters.
  • Progressive offers discounts including multi-policy, homeowner, multi-vehicle, continuous coverage, online signing, online quote discount, and good student.
  • Liberty Mutual discounts include newly married, multi-car, new graduate, multi-policy, and newly retired.
  • Auto-Owners Insurance may include discounts for safe driver, teen driver, safe vehicle, group or association, and anti-theft.
  • GEICO offers discounts for five-year accident-free, air bags, good student, defensive driver, military active duty, multi-policy, and membership and employees.

If you need lower rates, check with every insurance company to apply every possible discount. Depending on the company, some discounts may not apply in your area. For a list of providers with discount insurance rates, click this link.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • What is the minimum liability in my state?
  • Will my rates increase for filing one claim?
  • What are the best liability limits?
  • Does my insurance cover my expensive audio equipment?
  • When would I need additional glass coverage?
  • Who is covered by my policy?
  • Am I covered when pulling a rental trailer?
  • If I drive on a suspended license am I covered?
  • Should I buy only the required minimum liability coverage?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, surgery and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, hitting a deer, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred 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.

In Summary

Some insurance companies may not provide price quotes online and usually these regional insurance providers only sell coverage through independent agents. Cheap 1995 Chevy Lumina insurance can be found online as well as from independent agents, so compare prices from both in order to have the best chance of saving money.

You just read many ideas to shop for 1995 Chevy Lumina insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may only write in your state and offer lower prices as compared to the big name companies such as Progressive or GEICO.

Additional information