Compare 1997 Chevrolet Lumina Insurance Rates

I can’t think of a single person who enjoys paying for auto insurance, especially when the cost is way too high.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite best rates possible.

Smart consumers take time to compare prices quite often because rates change quite often. Just because you found the lowest price on Lumina insurance a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online but I’m going to show you some of the best ways to reduce your auto insurance bill.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Choosing the best insurance company for you is quite easy. Although drivers can benefit by having an understanding of the methods companies use to market insurance on the web because it can help you find the best coverage.

Low Cost Insurance Coverage

There are several ways you can shop for Chevy Lumina insurance coverage and some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can utilize the web to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company returns a competitive quote based on that information. This saves time by eliminating quote requests to each individual insurance coverage company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is that you can’t choose the providers you want to price. So if you want to choose specific providers to compare prices, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage information for each comparison quote. If you compare different values for each quote it will be very difficult to determine the lowest rate for your Chevy Lumina. Just a small difference in coverages may result in large price differences. Just remember that having more price comparisons provides better odds of finding a better price.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you complete an application, but a few need to be asked about before they will apply.

  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount on car insurance on Lumina insurance.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Government Employees – Simply working for the federal government can save as much as 8% on Lumina insurance with a few car insurance companies.
  • 55 and Retired – Older drivers may qualify for better car insurance rates on Lumina insurance.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like you could get a free car insurance policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies who offer car insurance discounts, follow this link.

Do I need special coverages?

When buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out if your insurance needs might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • When can I cancel my policy?
  • Do I have newly-aquired coverage?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if I wreck a rental car?
  • Should I sign the liability waiver when renting a car?
  • Am I covered by my spouse’s policy after a separation?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage information

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from flooding and fire damage. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision coverage will pay to fix damage to your Lumina resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability – This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, pain medications, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Smart consumers save more

When you buy insurance online, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We just showed you some good ideas how you can reduce 1997 Chevy Lumina insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from the least-expected company. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

Cheaper insurance is possible online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

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