View 1994 Chevrolet Lumina Minivan Insurance Rates

Want the cheapest auto insurance rates for your Chevrolet Lumina Minivan? Are you tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other drivers.

Because you have many online and local companies to choose from, it can be impossible to pick the most cost effective company.

You need to compare prices yearly due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest rates on Lumina Minivan coverage a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to buy cheaper auto insurance.

Finding affordable coverage is not that difficult. Basically, anyone who is required by state law to have insurance will most likely be able to save money. But drivers benefit from understanding how big insurance companies price online insurance and apply this information to your search.

Compare Auto Insurance Today

All the larger auto insurance companies allow you to get coverage price quotes directly from their websites. Getting quotes is quite simple as you just enter your required coverages as requested by the quote form. After you complete the form, the system gets information on your driving record and credit history and generates a price based on many factors. This simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible if you are searching for the lowest price.

Quote rates the easy way

The smarter way to get multiple rate quotes uses one form that analyzes rates from more than one company. The form is fast, eliminates form submissions, and makes quoting online much simpler. After sending the form, it gets priced with multiple companies and you can pick your choice of the quote results. If a lower price is quoted, you simply finish the application and purchase the new policy. This process only takes a few minutes and could lower your rates considerably.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits as shown on your current policy. This guarantees you will have comparison quotes for similar coverage.

When should I talk to an agent?

When buying proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • How much liability coverage do I need in my state?
  • Am I covered when delivering products for my home-based business?
  • Am I missing any policy discounts?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Am I covered when driving on a suspended license?
  • How can I find cheaper teen driver insurance?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Specific coverages for a 1994 Chevy Lumina Minivan

Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your Lumina Minivan 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 hitting a parking meter, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Lumina Minivan.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like court costs, repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as surgery, nursing services, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage