Compare 1991 Chevrolet Lumina Minivan Insurance Quotes

I doubt anyone is fond of buying insurance, especially when they are aware that their premiums are through the roof.

Multiple insurers compete for your business, so it can be very hard to choose a provider to find the best price available.

It is always a good idea to price shop coverage before your next renewal because prices go up and down regularly. Just because you found the best deal for Lumina Minivan coverage two years ago you will most likely find a better rate quote today. You can search a lot of insurance online but you can learn some of the best ways to slash your insurance rates.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, vehicle owners can benefit from knowing how big insurance companies sell online.

Find Chevy Lumina Minivan insurance at a discount

Multiple criteria are considered when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are less obvious like your continuous coverage or how financially stable you are.Part of the auto insurance buying process is learning the factors that help calculate your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels.

The following are a few of the “ingredients” auto insurance companies consider when setting rates.

• Gals tend to take less risk – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes get in at-fault accidents at a similar rate, but men tend to have more serious accidents. Men also statistically get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 have the highest risk to insure and therefore pay the highest rates.
• Marriage discount – Walking down the aisle can get you a discount on your auto insurance bill. Having a spouse means you’re more financially stable and it’s statistically proven that married drivers tend to file fewer claims.
• Do you know you’re credit score? – An insured’s credit score is likely to be a major factor in determining your rates. Consumers who have excellent credit scores tend to be more responsible than drivers with lower credit scores. If your credit history leaves room for improvement, you could be paying less to insure your 1991 Chevrolet Lumina Minivan by improving your rating.
• Never go without auto insurance – Allowing your auto insurance policy to lapse is a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
• Drive lots and pay more – The more miles you rack up on your Chevy each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows the correct usage for each vehicle, because improper ratings can cost you money. Incorrect rating for your Lumina Minivan may be costing you.
• Insurance companies don’t like frequent insurance claims – Car insurance companies provide lower rates to people that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended for major claims that would cause financial hardship.
• Premiums increase with driving tickets – Your driving citation history impacts your car insurance rates tremendously. Having a single citation can increase the cost of insurance by as much as thirty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten license-revoking tickets such as reckless driving or DUI are required to prove financial responsibility with their state DMV in order to prevent their license from being revoked.
• Only buy add-on coverages you need – There are a ton of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Insurance for rental car reimbursement, towing coverage, and additional equipment coverage are some examples. These coverages may sound good when buying your policy, but if they’re wasting money remove them and pocket the money.

These discounts can lower your insurance coverage rates

Insurance coverage can be pricey, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be manually applied before you will receive the discount.

• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Safety Course Discount – Completing a defensive driver course may get you a small discount if you qualify.
• Driving Data Discount – Drivers who agree to allow driving data submission to scrutinize driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they are good drivers.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.
• Senior Citizen Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a insurance quote for Lumina Minivan coverage.
• Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Lumina Minivan coverage compared to rates paid by drivers with frequent claims.
• Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance for Lumina Minivan coverage depending on your company.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

To see a list of insurance coverage companies that offer discounts, click this link.

Auto insurance ads bend the truth

Popular auto insurance providers such as State Farm and Allstate seem to constantly run television and radio advertisements. They all seem to state the claim that drivers can save some big amount after switching to them. It sounds good, but how can they all lower your prices? It’s all in how they say it.

Companies have underwriting criteria for the type of customer that will add to their bottom line. A good example of this type of risk profile might have to be a married male, carries full coverage, and drives newer vehicles. Any driver that meets those criteria will get very good prices and will most likely save some money.

Drivers who don’t measure up to those standards may be required to pay more expensive rates and the driver buying from a lower-cost company. The ads state “drivers that switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can make it sound like they have such great premium rates.

Because of this risk profiling, it’s extremely important to compare as many free insurance quotes as you can. You cannot predict with any certainty which company will fit you best based on your risk profile.

Different people need different car insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation could use an agent’s help.

• When should I drop full coverage on my 1991 Chevy Lumina Minivan?
• Do I benefit by insuring my home with the same company?
• Are my friends covered when driving my car?
• Do I need added coverage for expensive stereo equipment?
• Does coverage extend to Mexico or Canada?
• Do I need higher collision deductibles?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is rental equipment covered for theft or damage?
• Do I need PIP coverage since I have good health insurance?
• Exactly who is provided coverage by my policy?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Coverage for collisions

Collision insurance covers damage to your Lumina Minivan resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, nursing services, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability 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. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire 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 provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical expenses, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 coverage protects against claims such as vandalism, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Buy Smart and Save

In this article, we covered many tips how you can save on 1991 Chevy Lumina Minivan insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from a lesser-known regional company. Regional companies often have lower rates on specific markets compared to the large companies like Progressive and Geico.

Some companies may not have internet price quotes and most of the time these regional insurance providers only sell coverage through independent agents. Discount 1991 Chevy Lumina Minivan insurance is attainable from both online companies as well as from insurance agents, so compare prices from both so you have a total pricing picture.

More information is located on the following sites:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)