Compare 1991 Chevrolet Lumina Minivan Car Insurance Rates

Nobody looks forward to buying insurance, especially when they are paying too much. Companies like Geico, Farmers Insurance and State Farm continually bombard you with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

It is always a good idea to price shop coverage quite often since insurance rates change quite often. Just because you found the best rates on Lumina Minivan coverage last year you can probably find a lower rate today. There is too much inaccurate information about insurance on the web, but we’re going to give you a bunch of ideas how to buy insurance cheaper.

Chevy Lumina Minivan rates are complex

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get big savings.

Shown below are a few of the “ingredients” that factor into your rates.

  • Always keep insurance in force – Letting your insurance expire is a guaranteed way to pay more for auto insurance. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.You may have to file a SR-22 with your state department of motor vehicles.
  • Bump up deductibles to save – Physical damage insurance, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims are collision with another vehicle, vandalism, and windstorm damage. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more you’re willing to pay, the lower your rates will be on Lumina Minivan coverage.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Chevy Lumina Minivan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Drive less and save money – The more miles you rack up on your Chevy each year the more you will pay for auto insurance. Most companies charge to insure your cars determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Lumina Minivan can cost quite a bit. Double check that your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Marriage pays dividends – Being married helps lower the price on your policy. Having a spouse translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
  • Males pay more for insurance – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Your auto insurance rates can be influenced by your job – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and dentists tend to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations like farmers, historians and homemakers receive lower rates on Lumina Minivan coverage.

Take discounts and save

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but a few must be specially asked for before you get the savings. If you’re not getting every credit possible, you are throwing money away.

  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Lumina Minivan coverage with certain companies.

It’s important to understand that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut your premiums.

Companies who might offer these money-saving discounts include:

Double check with all companies you are considering which discounts they offer. All car insurance discounts may not apply everywhere.

Save $413 a year. For real?

Consumers constantly see and hear ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim of big savings after switching your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a profitable customer could be between the ages of 40 and 55, is a homeowner, and has a short commute. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will be charged more money which usually ends up with business not being written. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can make those claims.

That is why drivers must get as many comparisons as possible. Because you never know the company that will provide you with the cheapest Chevy Lumina Minivan insurance rates.

Which policy gives me the best coverage?

When buying adequate coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • How much can I save by bundling my policies?
  • When should I drop full coverage on my 1991 Chevy Lumina Minivan?
  • What discounts do I qualify for?
  • Does insurance cover tools stolen from my truck?
  • Why is insurance for a teen driver so high?
  • Am I covered if I break a side mirror?
  • Can I rate high risk drivers on liability-only vehicles?
  • How do I file an SR-22 for a DUI in my state?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Liability

This will cover damage that occurs to other people or property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $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. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage

This coverage covers damage to your Lumina Minivan resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, colliding with a tree, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like pain medications, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Lumina Minivan.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

At the end of the day…

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your aim should be to buy enough coverage for the lowest price, not the least amount of coverage.

Cheap 1991 Chevy Lumina Minivan insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We just covered many ideas to save on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

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