View 1998 Chevrolet Lumina Insurance Quotes

Searching for lower insurance coverage rates for your Chevrolet Lumina? Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, there are many drivers thinking the same thing. Many auto insurance companies compete for your business, so it can be very hard to choose a insurer to get the lowest cost out there.

It’s important to shop coverage around quite often because prices are variable and change quite frequently. Even if you got the lowest rates on Lumina insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the best ways to properly buy coverages and cut your premium.

If you are insured now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to shop online.

Good decisions result in lower insurance costs

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that help determine the rates you pay for insurance coverage. If you have a feel for what determines base rates, this empowers consumers to make smart changes that could result in better insurance coverage rates.

  • How much liability protection do you need? – The liability coverage on your policy is the protection when you are found liable for physical damage or personal injury to other. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Job and insurance prices – Did you know your career choice can influence rates? Jobs such as doctorspolice officers and dentists usually pay higher rates than average in part from stressful work requirements and lots of time spent at work. Other careers such as scientists, engineers and retirees pay the least on Lumina insurance.
  • High premiums for younger drivers – Older insureds are viewed as being more responsible, are lower risk to insure and receive fewer citations.Beginning drivers are proven to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.
  • Urban areas may pay more – Being located in small towns and rural areas is a good thing when buying insurance coverage. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers have more aggressive driving styles and more time behind the wheel. Spending more time driving means more chances of being involved in an auto accident.
  • Marriage is a good thing – Being married may earn you lower rates on your insurance coverage policy. Having a significant other generally demonstrates drivers are more responsible and statistics show married drivers get in fewer accidents.
  • Credit rating impacts rates – Credit score can be an important factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit score can use some improvement, you could potentially save money when insuring your 1998 Chevrolet Lumina if you clean up your credit.
  • Insure car and home with the same company – The majority of insurance companies apply lower prices to insureds that have more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, it’s always a smart idea to compare other company rates to help ensure you have the lowest rates. Drivers may still save money by buying insurance coverage from a different company.
  • Never allow your policy to lapse – Driving without insurance coverage in place can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.

Where can I get cheap insurance?

There are a lot of ways to shop for insurance, and some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get the quickest rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company then gives them pricing. This prevents consumers from doing repetitive form submissions to every company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of form is that consumers can’t choose which companies you will receive quotes from. If you wish to select individual companies to request quotes from, we put together a list of insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare equivalent quote information with each company. If you enter different limits and deductibles on each one it’s impossible to determine which rate is truly the best.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that claim the lowest premium rates by companies like Allstate, GEICO and Progressive. They all seem to tend to make the same promise of big savings if you just switch your policy.

How does every insurance company make almost identical claims? You have to listen carefully.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured could possibly be a female over age 40, has a clear driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile will get very good car insurance rates and will most likely save when switching.

Potential insureds who cannot meet these stringent criteria must pay higher prices and the customer buying from someone else. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently advertise the way they do. Because of the profiling, you need to compare quotes as often as possible. It’s just too difficult to predict which insurance company will have the lowest rate quotes.

Discounts for affordable car insurance quotes

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not know about. Many discounts should be triggered at quote time, but a few must be asked about before you get the savings.

  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • Driver’s Education for Students – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
  • Active Service Discounts – Being on active duty in the military may lower your prices slightly.
  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance quote on Lumina insurance than drivers with accidents.
  • Policy Bundle Discount – When you have multiple policies with the same insurance company you may save up to 20% and get you cheaper insurance.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay less in comparison with drivers with a long claim history.
  • Good Grades Discount – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • First Accident Forgiveness – Not a discount per se, but a few companies such as Progressive, Allstate, and GEICO will allow you to have one accident before your rates go up so long as you are claim-free for a specific time period.

Discounts save money, but please remember that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.

For a list of providers with the best car insurance discounts, click here to view.

You may need specialized insurance coverage coverage

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out whether you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 1998 Chevy Lumina is totaled?
  • How do I buy GAP insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does coverage extend to my business vehicle?
  • Is my nanny covered when driving my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when using my vehicle for business?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Learn about insurance coverages for a 1998 Chevy Lumina

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for prosthetic devices, doctor visits, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage will pay to fix damage to your Lumina resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, structural damage, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Save your cold hard cash

When searching for affordable insurance quotes, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Cheaper 1998 Chevy Lumina insurance is attainable on the web and from local agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not have rate quotes online and most of the time these regional insurance providers provide coverage only through independent agents.

In this article, we covered a lot of information how to save on 1998 Chevy Lumina insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

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