1996 Chevrolet Lumina Insurance Rates

Want lower insurance coverage rates for your Chevrolet Lumina? Do you get confused by the wide range of insurance coverage sources? vehicle owners have so many choices that it can turn into a difficult situation to compare insurance coverage rates.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying the best insurance coverage is simple if you know the tricks. Although drivers should learn how insurance companies market on the web and apply this information to your search.

Get lower rates with these auto insurance discounts

Some providers do not list all their discounts in a way that’s easy to find, so the below list has a few of the more well known as well as the least known discounts that you can inquire about if you buy auto insurance online. If they aren’t giving you every credit available, you may be paying too high a price.

  • Senior Discount – If you qualify as a senior citizen, you may be able to get better auto insurance rates for Lumina insurance.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies will let one accident slide without the usual rate increase so long as you are claim-free for a specific time period.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Military Deployment Discount – Having a deployed family member may lower your auto insurance rates slightly.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Driver Training Discounts – Taking part in a safe driver course is a good idea and can lower rates and easily recoup the cost of the course.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Drive Safe and Save – Insureds without accidents can save up to 40% or more on their auto insurance quote for Lumina insurance as compared to drivers with claims.
  • Multi-Vehicle Discounts – Insuring multiple cars or trucks on one policy can get a discount for every vehicle.
  • No Accidents – Drivers who don’t have accidents get the best auto insurance rates when compared with drivers who are more careless.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Insurance companies that may include these discounts are:

Double check with each insurance company the best way to save money. Some credits may not apply everywhere. If you would like to see a list of insurance companies with significant discounts, click here.

How to get affordable car insurance

Shopping for lower car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to agents in your area, or you can utilize the web to get the quickest rates.

Most major companies enroll in a system where insurance shoppers complete one form, and each company provides a quote based on that information. This saves time by eliminating quote forms for each company. To use this form to compare rates click here to start a free quote.

The only drawback to using this type of system is that consumers can’t choose the providers to get quotes from. If you would rather choose specific insurance companies to compare, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be sure you’re using nearly identical deductibles and coverage limits on every quote you get. If the quotes have different coverage information it will be next to impossible to determine the lowest rate for your Chevy Lumina. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that comparing more company’s prices helps improve the odds of finding a lower rate than you’re paying now. Not every company does prices over the internet, so it’s recommended that you also compare quotes from them as well.

Car insurance can get complicated

When it comes to choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Should I waive the damage coverage when renting a car?
  • What can I do if my company won’t pay a claim?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if I break a side mirror?
  • Is extra glass coverage worth it?
  • When should I not file a claim?

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. To find an agent in your area, simply complete this short form.

Car insurance coverages explained

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, nursing services and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, damage from flooding, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly 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 property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverages – Collision coverage covers damage to your Lumina resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Be Smart and Buy Smart

We covered a lot of ways to reduce 1996 Chevy Lumina insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheap auto insurance. You may even find the lowest premium rates are with some of the lesser-known companies.

Consumers change insurance companies for a variety of reasons including denial of a claim, high rates after DUI convictions, being labeled a high risk driver and not issuing a premium refund. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

Some insurance companies may not offer internet price quotes and usually these small insurance companies work with independent agencies. Cost effective 1996 Chevy Lumina insurance is attainable from both online companies and from local insurance agents, so you should compare both to get a complete price analysis.

Additional auto insurance information is available at the links below