1990 Chevrolet Lumina Minivan Car Insurance Quotes – 8 Discounts for Cheaper Rates

Being forced to pay for expensive car insurance premiums can sap your funds and force you to prioritize other expenses.

Because you have many companies and agents to choose from, it’s nearly impossible to pick the right insurer.

This information will instruct you on how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. But car owners must know how big insurance companies sell online and take advantage of how the system works.

Low cost car insurance prices

There are a lot of ways to shop for car insurance, but one way is less time-consuming than others. You can spend your afternoon talking to local insurance agents in your area, or you could use online quoting to get the quickest rates.

Most major companies participate in a marketplace where prospective buyers submit their information once, and each company can provide price quotes. This system prevents you from having to do quote forms to each individual car insurance company.

To compare pricing click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify which companies to receive prices from. If you prefer to choose specific insurance companies to compare, we have a page of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but try to keep apples-to-apples coverage limits on every quote you get. If you have different limits and deductibles on each one it will be impossible to make an equal comparison. Just slight variations in limits can make a big difference in price. And when quoting car insurance, remember that comparing more rates from different companies will enable you to find the best offered rates. Not every company allows you to get quotes online, so you need to compare price estimates from them as well.

Verify you’re receiving every discount

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even know about. Most are applied when you quote, but some need to be inquired about in order for you to get them.

• Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% on Lumina Minivan coverage compared to accident prone drivers.
• Distant College Student Discount – Older children who are enrolled in higher education away from home and do not have a car could qualify for this discount.
• Driver’s Ed – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
• Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts could see savings of 20 to 30 percent.
• Onboard Data Collection – Drivers who agree to allow companies to scrutinize driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
• Military Rewards – Having a family member in the military could mean lower rates.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Lumina Minivan coverage with some auto insurance companies.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will help lower the amount you pay for coverage.

A list of companies and a selection of discounts are:

• State Farm may offer discounts for good student, driver’s education, accident-free, safe vehicle, Drive Safe & Save, and anti-theft.
• Geico discounts include five-year accident-free, anti-lock brakes, anti-theft, multi-vehicle, and emergency military deployment.
• Allstate offers discounts including teenSMART discount, safe driver, FullPay discount, passive restraint, defensive driver, and utility vehicle.
• SAFECO policyholders can earn discounts including bundle discounts, teen safety rewards, multi-car, safe driver, anti-lock brakes, and drive less.
• Farm Bureau may have discounts that include good student, multi-vehicle, youthful driver, driver training, safe driver, and multi-policy.
• Progressive includes discounts for online quote discount, multi-vehicle, good student, continuous coverage, online signing, and homeowner.
• AAA offers discounts for multi-policy, AAA membership discount, good driver, anti-theft, multi-car, education and occupation, and pay-in-full.

Check with all companies you are considering how you can save money. Some discounts listed above might not apply everywhere. To see a list of companies with the best discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I insured when driving a different vehicle?
• Am I getting all the discounts available?
• How much liability do I need to cover my assets?
• Do I really need UM/UIM coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How much liability coverage do I need in my state?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance 101

Understanding the coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 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 coverage pays for things like court costs, funeral expenses and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, doctor visits, X-ray expenses, nursing services and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all 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 car insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, a broken windshield and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Money doesn’t grow on trees

When you buy car insurance online, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

We covered a lot of information how to compare 1990 Chevy Lumina Minivan insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices come from an unexpected company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

To learn more, feel free to visit the following helpful articles:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)