View 1996 Chevrolet Lumina Minivan Car Insurance Quotes

Sick and tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers.

Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

It’s a good idea to price shop coverage before your policy renews since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Lumina Minivan coverage a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to get good coverage at a lower rate.

These factors can influence Chevy Lumina Minivan insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Understanding what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes some of the factors companies use to determine premiums.

  • Drive less and save money – The more miles you rack up on your Chevy in a year the higher your rate. Most insurance companies price each vehicle’s coverage based on their usage. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Lumina Minivan may be costing you.
  • Keep rates low by being claim-free – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to policyholders who are claim-free. Auto insurance is intended for the large, substantial claims.
  • More than one policy can earn a discount – Many insurers provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Your spouse saves you money – Getting married can actually save you money when buying auto insurance. Marriage is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Equipment add-ons that lower auto insurance rates – Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance than bad drivers. Even a single speeding ticket may increase your cost by twenty percent. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Never go without insurance – Allowing your auto insurance policy to lapse will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Save money by taking advantage of these discounts

Companies don’t always publicize every discount in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • No Claims – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Organization Discounts – Being a member of a professional or civic organization could trigger savings when shopping for insurance on Lumina Minivan coverage.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.

Consumers should know that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurers with the best insurance discounts, click here to view.

Ads can be misleading

Insurance providers like Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. They all make the same claim that you’ll save big if you switch to them. But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the right customer they prefer to insure. An example of a preferred risk could be over the age of 40, a clean driving record, and has a high credit rating. Any driver who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t qualify for the “perfect” profile must pay more money which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently advertise the savings. This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Chevy Lumina Minivan insurance rates.

When should I use an insurance agent?

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover if you will benefit from professional help.

  • Does coverage extend to Mexico or Canada?
  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • Are split liability limits better than a combined single limit?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

What insurance coverages do you need?

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, hitting a bird, hail damage, a broken windshield and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

Liability insurance will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like legal defense fees, structural damage, attorney fees, loss of income and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like nursing services, X-ray expenses, surgery, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Buy online or local, you save

Cost effective 1996 Chevy Lumina Minivan insurance can be purchased both online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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