Cheaper 1999 Chevrolet Lumina Car Insurance Quotes

No one in their right mind loves paying for car insurance, particularly when they could get a better deal. Companies like Progressive, State Farm and GEICO constantly bombard you with ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.

Consumers should take time to get comparison quotes quite often because car insurance prices are constantly changing. Just because you had the best price for Lumina coverage six months ago there may be better deals available now. Block out anything you think you know about car insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

How to get the cheapest car insurance

Finding low cost car insurance quotes doesn’t have to be difficult. The only thing you need to do is take a couple of minutes to compare rate quotes from different insurance companies. Insurance prices can be quoted using one of these methods.

  1. The fastest and easiest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This quick form eliminates the need for repetitive form submissions to each individual car insurance company. Just one form gets rate comparisons from car insurance companies with the best prices.
  2. A less efficient way to compare prices is to manually visit the website of each company to request a price quote. For instance, let’s assume you want to compare GEICO, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site to input your insurance information, which is why first method is reommended.

    To view a list of companies in your area, click here.

  3. If you have time to kill, the last way to shop rates is to spend your day driving to all the different insurance agencies. Buying insurance online reduces the need to sit down with an agent unless you prefer the professional assistance of an agent trained in personal lines coverage. Drivers can compare online quotes and have a local agent actually service the policy.

The method you choose is up to you, but be sure to compare exactly the same coverage information on every price quote you get. If you are comparing different coverage information it will be very difficult to make a fair rate comparison.

Find discounts to get cheap insurance coverage rates

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply at quote time, but less common discounts must be asked about prior to receiving the credit.

  • Own a Home – Being a homeowner can help you save on insurance coverage since owning and maintaining a home shows financial diligence.
  • Fewer Miles Equal More Savings – Low annual miles could earn cheaper rates.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Policy Discount – If you combine your auto and home policies and insure them with the same company you may earn at least 10 to 15 percent or more.

One last thing about discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts are shown below.

  • GEICO has savings for seat belt use, multi-vehicle, five-year accident-free, emergency military deployment, defensive driver, and air bags.
  • Travelers offers premium reductions for continuous insurance, payment discounts, new car, hybrid/electric vehicle, home ownership, and multi-car.
  • Farm Bureau has discounts for safe driver, good student, multi-policy, youthful driver, driver training, and multi-vehicle.
  • Liberty Mutual may offer discounts for newly married, newly retired, multi-car, new move discount, preferred payment discount, and good student.
  • American Family may have discounts that include multi-vehicle, early bird, Steer into Savings, good student, air bags, and mySafetyValet.
  • Progressive policyholders can earn discounts including good student, continuous coverage, homeowner, multi-vehicle, and multi-policy.

When getting a coverage quote, ask every insurance company the best way to save money. Depending on the company, some discounts may not be available in your state. To see a list of insurance companies that have a full spectrum of discounts, click here.

Why smart consumers pay less for Chevy Lumina insurance

Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although some other factors are more transparent like your continuous coverage or your vehicle rating.When buying auto insurance it’s important to understand a few of the rating criteria that go into determining auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that can earn you lower rates.

The items below are most of the major factors used by insurance companies to determine your premiums.

  • Your stress level may be raising your auto insurance rates – Did you know your job can affect your rates? Careers such as lawyersair traffic controllers and dentists tend to pay higher rates than average due to intense work situations and lots of time spent at work. On the other hand, careers such as farmers, athletes and retirees generally pay rates lower than average for Lumina coverage.
  • Filing policy claims can cost you – If you file a lot of claims you can expect higher rates. Insurance companies provide discounts to insureds who are claim-free. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Allowing your coverage to lapse raises premiums – Not having insurance can get you a ticket and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance may result in fines and jail time.
  • Big cities mean more claims – Living in less populated areas of the country is a good thing when it comes to auto insurance. Drivers in populated areas regularly have more aggressive driving styles and higher rates of accident claims. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Your credit history is important – Credit rating is likely to be a major factor in your rate calculation. Therefore, if your credit history is low, you could save money insuring your 1999 Chevrolet Lumina if you improve your credit rating. Consumers who have very good credit scores tend to file fewer claims and have better driving records than those with poor credit.
  • Liability is cheap – Liability insurance will protect you when you are determined to be liable for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I benefit by insuring my home with the same company?
  • What is the ISO rating for a 1999 Chevy Lumina?
  • Does medical payments coverage apply to all occupants?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Specifics of your insurance policy

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1999 Chevy Lumina.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

This coverage covers damage to your Lumina resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, pain and suffering, funeral expenses, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as pain medications, ambulance fees, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, hail damage, hitting a bird and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage on a shoestring budget

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage to discover at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the lowest possible cost.

In this article, we covered some good ideas how to reduce 1999 Chevy Lumina insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. You may even find the best premium rates are with some of the smallest insurance companies. Some small companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.

Some insurance providers may not offer rate quotes online and these smaller companies only sell through independent agencies. Discount 1999 Chevy Lumina insurance is definitely available online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

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