Cheap 1996 Chevrolet Lumina Minivan Car Insurance Quotes

Purchasing cheaper insurance over the internet might seem difficult for drivers new to quoting and comparing rates and buying insurance on the internet. With dozens of online companies available, how can anyone have a chance to compare every possible option in order to find the best available rates?

Finding insurance coverage

There are several ways to obtain and compare prices from many insurance coverage companies in your state. The best way to compare 1996 Chevy Lumina Minivan insurance prices consists of obtaining rate quotes online. This is quite simple and can be completed in a couple of different ways.

  1. The fastest and easiest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quote forms for each price estimate. One form compares rates from several companies. It’s the fastest way to compare.
  2. A less efficient way to get comparison quotes consists of going to each company’s website and go through the quote process again. For example, we’ll pretend you want to compare rates from Allstate, Esurance and Farmers. To get rate quotes you would need to go to each individual site to enter the same coverage data repeatedly, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The old school way to price shop rates is physically going to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you require the professional abilities of an agent trained in personal lines coverage. Drivers can compare online quotes and have a local agent actually service the policy.

Whichever method you choose, ensure you’re using the exact same coverage information on every quote. If you have different liability limits you can’t possibly determine which rate is truly the best. Quoting even small variations in coverage limits can make a big difference in price. And when comparing insurance coverage rates, know that comparing more quotes will improve the odds of getting a better price.

These discounts can lower insurance rates

Insurance is not cheap nor is it fun to buy but there may be some discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but some need to be asked for prior to receiving the credit. If you do not check that you are getting every discount available, you could be saving more on your insurance.

  • Distant Student – Any of your kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Telematics Devices – Drivers that enable data collection to track driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
  • Service Members Pay Less – Being on active deployment in the military could mean lower premium rates.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on Lumina Minivan insurance with some insurance companies.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% because new model year vehicles are generally safer.
  • Defensive Driving Course – Taking a defensive driving class may get you a small discount and easily pay for the cost of the class.
  • Paperwork-free – Many companies will discount your bill up to fifty bucks shop car insurance over the internet.
  • Use Seat Belts – Drivers who require all occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.

The best insurance companies and the discounts they provide can be read below.

  • GEICO offers discounts for good student, multi-vehicle, five-year accident-free, seat belt use, emergency military deployment, and defensive driver.
  • MetLife has savings for good student, defensive driver, accident-free, good driver, claim-free, multi-policy
  • Progressive includes discounts for good student, multi-policy, continuous coverage, online signing, multi-vehicle, online quote discount, and homeowner.
  • Travelers offers discounts including multi-car, driver training, save driver, home ownership, continuous insurance, and good student.
  • SAFECO may have discounts that include anti-theft, accident prevention training, drive less, homeowner, teen safety rewards, and multi-car.
  • AAA offers premium reductions for good driver, education and occupation, good student, multi-policy, and multi-car.

If you need inexpensive car insurance quotes, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply to policies in every state.

How insurers determine Chevy Lumina Minivan insurance prices

Consumers need to have an understanding of some of the elements that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could help you find better insurance coverage rates.

  • Does auto insurance cost less for women? – The statistics show women are more cautious behind the wheel. It does not mean men are worse drivers. Males and females are in auto accidents at about the same rate, but men cause more damage. They also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers generally have the highest accident percentage and thus pay the highest rates.
  • File claims and pay more – Car insurance companies provide lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Discounts for alarm systems – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
  • Discounts for multiple policies – Most insurers allow better rates to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still be able to save money by buying insurance coverage from a different company.
  • Your spouse saves you money – Having a wife or husband may cut your premiums on your insurance coverage policy. Marriage translates into being more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Never let your insurance coverage policy lapse – Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance may result in fines and jail time.

When do I need an agent’s advice?

When buying coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help highlight if you will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I force my company to pay a claim?
  • What exactly is covered by my policy?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance ads are enticing

Respected companies like Progressive, Allstate and GEICO endlessly run ads on TV and radio. They all seem to make the point that you’ll save big after switching your coverage to them. How do they all make almost identical claims? It’s all in how they say it.

Insurance providers have specific guidelines for the type of insured that will not have excessive claims. A good example of a profitable customer should be between the ages of 30 and 45, owns a home, and the vehicle is rated for pleasure use. Any driver who matches that profile will probably get cheap rates and will probably save a lot of money.

Drivers who are not a match for these criteria may be forced to pay higher rates which translates to business going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” save that much. This is how companies can make the claims of big savings. That is why drivers should get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will be your best fit.

Information about specific coverages

Having a good grasp of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage – This can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, bail bonds, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills like dental work, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your Lumina Minivan resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch and colliding with a tree. 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 raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Lumina Minivan.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Smart shoppers get results

Affordable 1996 Chevy Lumina Minivan insurance is definitely available both online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide rate quotes online and these regional carriers work with independent agencies.

Insureds change insurance companies for a variety of reasons including policy non-renewal, questionable increases in premium, policy cancellation or high prices. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

When you buy car insurance online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits only to regret they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest cost, but do not skimp to save money.

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