1992 Chevrolet Lumina Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Lumina? Finding the cheapest insurance for a Chevy Lumina can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to buy insurance coverage and we’ll show you the best way to price shop coverage for a new or used Chevy and obtain the lowest price from both online companies and local agents.

Consumers need to compare prices every six months because prices change frequently. Despite the fact that you may have had the best price on Lumina coverage a couple years back a different company probably has better rates today. There is a lot of bad information regarding insurance coverage on the web, but by reading this article, you’re going to learn a lot of great tips on how to find cheap insurance coverage.

Shopping for affordable insurance is not that difficult. If you have insurance now or need a new policy, you can learn to find the best rates while maintaining coverages. Vehicle owners only need to know the proper way to compare prices online.

Car Insurance Quote Comparison

Lowering your 1992 Chevy Lumina car insurance rates can be relatively painless. Consumers just need to spend a little time to compare rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. The most efficient way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quotation requests for every car insurance company. A single, simple form will return quotes from multiple low-cost companies. Just one form and you’re done.
  2. A more difficult way to get comparison quotes consists of visiting each company’s website and request a quote. For instance, let’s say you want comparison quotes from Nationwide, Esurance and Geico. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of getting rate comparisons is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional advice of a licensed agent. Drivers can comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits for every quote you compare. If your comparisons have different limits and deductibles on each one you will not be able to determine the lowest rate for your Chevy Lumina.

Get lower rates on Chevy Lumina insurance

Car insurance can cost a lot, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Lumina coverage with certain companies.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% on Lumina coverage.

A little note about advertised discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies with the best car insurance discounts, click this link.

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Is my 1992 Chevy Lumina covered for smoke damage?
  • Am I covered by my spouse’s policy after a separation?
  • Are my friends covered when driving my 1992 Chevy Lumina?
  • Does insurance cover tools stolen from my truck?
  • Exactly who is provided coverage by my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Factors determining your Chevy Lumina insurance premium

Consumers need to have an understanding of the rating factors that go into determining your insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

  • Always keep insurance in force – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can buy on your insurance policy. Insurance for personal injury protection, towing coverage and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your occupation can affect rates – Jobs such as doctors, architects and stock brokers have the highest rates due to high stress levels and long work hours. On the other hand, jobs such as actors, students and retirees get better rates on Lumina coverage.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers tend to be more careless in a vehicle therefore insurance rates are much higher.
  • Proper usage rating affects rates – The more you drive every year the more you will pay for insurance. Most companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Improper usage on your Lumina can cost quite a bit. Make sure your insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision – Collision coverage pays for damage to your Lumina resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, hail damage, damage from flooding and a broken windshield. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Liability – This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, legal defense fees, bail bonds and medical services. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses for doctor visits, pain medications, dental work and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Save for a rainy day

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

We just presented many ways to shop for 1992 Chevy Lumina insurance online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with the least-expected company.

Low-cost insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Much more information about car insurance can be found at the links below