Compare 1993 Chevrolet Lumina Minivan Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Lumina Minivan? Having to pay for overpriced auto insurance can empty your savings account, especially in this economy. Doing a price comparison is a great way to slash your bill and have more diposable income.

Consumers have many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, too many choices makes it more difficult to adequately compare rates.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. But car owners must learn how companies price online insurance.

Don’t miss out on these money-saving discounts

Companies offering auto insurance do not list every discount in a way that’s easy to find, so we break down both the well known and the more hidden discounts you could be receiving.

  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • E-sign – A handful of insurance companies may give you up to $50 simply for signing digitally online.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Save over 55 – Mature drivers may qualify for better car insurance rates for Lumina Minivan insurance.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most discount credits are not given to the entire cost. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

Insurance companies who might offer these benefits are:

Check with each company how you can save money. Some discounts might not be offered everywhere.

Do I need special coverages?

When choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Where can I find high-risk insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount?
  • How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, doctor visits, chiropractic care, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical services, attorney fees, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This covers damage to your Lumina Minivan from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, crashing into a building, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Lumina Minivan.

Due to the fact that many 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.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, falling objects, a broken windshield, damage from getting keyed and hail damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Get your money’s worth

We’ve covered many tips how you can get a better price on 1993 Chevy Lumina Minivan insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even discover the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, do not buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cost effective insurance is possible online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found on the following sites: