View 1997 Chevrolet Lumina Insurance Quotes

Want the cheapest insurance coverage rates for your Chevrolet Lumina? Trying to find the cheapest insurance for a Chevy Lumina can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find insurance coverage online and you need to know the best way to price shop coverage for a Chevy and obtain the best price possible from both online companies and local agents.

These discounts can lower your car insurance quotes

Car insurance companies don’t list all disounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the lesser-known credits that may apply to you.

  • Driver Education Discount – Have your child sucessfully take a drivers education course in high school.
  • Passive Restraints and Air Bags – Options like air bags can get savings of up to 25% or more.
  • Resident Student – Kids living away from home attending college and do not take a car to college can be insured at a reduced rate.
  • Safety Course Discount – Taking part in a course teaching defensive driver skills could save 5% or more and easily pay for the cost of the class.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote in comparison to insureds who have frequent claims or accidents.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on one policy can reduce the rates for all insured vehicles.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

Car insurance companies that may have most of the discounts above include:

When getting a coverage quote, ask all companies you are considering how you can save money. A few discounts may not be offered in your area. To see providers who offer cheap car insurance quotes, click here.

How car insurance companies determine Chevy Lumina insurance costs

Multiple criteria are part of the equation when quoting car insurance. Some are pretty understandable like your driving record, but others are more transparent like your continuous coverage or how financially stable you are.

The following are some of the factors that factor into rates.

  • Teenagers are high risk – Inexperience drivers have a tendency to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher. Older people are more cautious drivers, file fewer claims and tend to be get fewer driving tickets.
  • Rural vs Urban Areas – Having an address in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Fewer people means less chance of accidents and a lower car theft rate. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. The longer drive time means higher likelihood of an accident.
  • Guys pay more for car insurance – The statistics show that women are safer drivers than men. The data does not necessarily mean that women are better drivers. They both cause accidents in similar numbers, but the male of the species tend to have higher claims. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore are the most expensive to insure.
  • Do you qualify for a multi-policy discount? – Most insurance companies provide a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • A good credit rating can save money – Having a bad credit history will be a significant factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could potentially save money when insuring your 1997 Chevrolet Lumina by improving your credit score. Drivers with high credit ratings tend to be better risks to insure than drivers with poor credit scores.
  • Marriage brings a discount – Being married actually saves money on your auto insurance policy. It generally demonstrates drivers are more responsible it has been statistically shown that married drivers tend to file fewer claims.

Different people need different insurance coverages

When choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • Am I covered if I crash into my own garage door?
  • Is pleasure use cheaper than using my 1997 Chevy Lumina to commute?
  • Can my babysitter drive my car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I buy full coverage?
  • Am I covered if I break a side mirror?
  • What are the financial responsibility laws in my state?
  • Can I afford to buy a different vehicle if my 1997 Chevy Lumina is totaled?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Don’t believe everything you hear

Consumers constantly see and hear ads that claim the best premium rates from companies such as State Farm, GEICO and Progressive. They all seem to advertise the message about saving some big amount if you just switch your insurance coverage coverage to their company.

How do they all claim to save you money? You have to listen carefully.

Different companies have a certain “appetite” for the type of customer that will add to their bottom line. For instance, a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A driver who fits those characteristics receive the lowest rate quotes and have a good chance to save a lot of money.

Potential insureds who don’t measure up to the ideal profile may be required to pay a higher premium and the customer buying from a different company. The trick is to say “customers that switch” not “all people who quote” save that kind of money. That’s the way insurance companies can claim big savings. Different companies use different criteria so you absolutely need to get a wide range of price quotes. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability insurance

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, emergency aid, funeral expenses and medical services. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your Lumina from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, vandalism, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 1997 Chevy Lumina.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like X-ray expenses, funeral costs, rehabilitation expenses, EMT expenses and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.

The cheapest 1997 Chevy Lumina insurance can be bought both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer internet price quotes and these regional carriers provide coverage only through independent agencies.

Consumers switch companies for many reasons like denial of a claim, high prices, high rates after DUI convictions or even delays in responding to claim requests. No matter why you want to switch, switching car insurance companies can be easier than you think.

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