Compare 1991 Chevrolet Lumina Insurance Quotes

Are you overwhelmed by the wide range of car insurance companies available to you? You have such a vast assortment of companies available that it is a big hassle to find a more affordable company.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Pricing cheaper insurance coverage is easy if you know what you’re doing. But consumers must learn how big insurance companies price insurance differently.

The easiest way to get rate comparisons is to take advantage of the fact auto insurance companies have advanced systems to compare rate quotes. To begin a comparison, all you need to do is give them rating details like the make and model of your vehicles, if you have a valid license, how much you drive, and how much school you completed. That rating information is then submitted to many of the top insurers and you get price estimates with very little delay.

To start a quote now, click here and enter your zip code.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

• Which companies will insure high-risk drivers?
• Am I covered when pulling a rental trailer?
• How can I find cheaper teen driver insurance?
• Can I afford to pay high deductible claims out of pocket?
• Do all my vehicles need collision coverage?
• Do I have any recourse if my insurance company denies a claim?
• Do I need higher collision deductibles?
• Who is covered when they drive my 1991 Chevy Lumina?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance policy coverages for a 1991 Chevy Lumina

Learning about specific coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Lumina.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover 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 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This covers damage to your Lumina caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, backing into a parked car, hitting a mailbox, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.