1992 Chevrolet Lumina Minivan Car Insurance Quotes

Overwhelmed by the number of insurance company choices? Lot’s of other consumers are too. There are so many companies to choose from that it can quickly become a challenge to find the perfect company for you.

Consumers need to compare prices periodically because insurance rates are usually higher with each renewal. If you had the best rates on Lumina Minivan insurance two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance online, so I’m going to show you a lot of great tips on how to quit paying high insurance rates.

If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. The purpose of this article is to teach you the most effective way to quote insurance and some tricks to saving. Nevertheless, consumers must understand the way companies determine prices.

Car Insurance Quote Comparison

There are multiple methods to shop for 1992 Chevy Lumina Minivan car insurance, but one way is easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Many insurance companies enroll in a system that enables customers to submit their information once, and each company then returns a price quote determined by their information. This prevents consumers from doing quotation requests for each company.

To use this form to compare 1992 Chevy Lumina Minivan insurance rates click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which providers you want pricing from. If you prefer to choose individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using apples-to-apples information for every company. If you have different deductibles you can’t possibly determine the lowest rate for your Chevy Lumina Minivan. Quoting even small variations in coverages could mean much higher rates. Keep in mind that having more price comparisons will enable you to find the best offered rates.

But I don’t know anything about car insurance

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • Can I get a multi-policy discount?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage when using my vehicle for my home business?
  • Does insurance cover damages from a DUI accident?
  • Is a blown tire covered by insurance?
  • I have a DUI can I still get coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 1992 Chevy Lumina Minivan

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Lumina Minivan.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, pain and suffering and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverages – Collision coverage pays for damage to your Lumina Minivan resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, chiropractic care, dental work, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage, theft and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.