1992 Chevrolet Lumina Minivan Insurance Cost – 9 Ideas for Cheaper Prices

Finding the most affordable insurance over the internet may be overwhelming for drivers new to comparing and buying insurance on the internet. With such a big selection of agents and insurers available, how are drivers expected to be able to compare every one to find the lowest rates?

Compare insurance coverage price quotes online

When shopping for inexpensive insurance coverage quotes, there are a couple of ways to compare quotes from many available insurance coverage companies in your state. The quickest method to comparison shop consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

• The simplest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for boring form submissions to each individual insurance coverage company. One simple form gets insurance cost estimates from multiple low-cost companies.It’s the quickest way to get rates.
• A harder way to find more affordable insurance consists of going to the website for each individual company and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from Progressive, Liberty Mutual and Geico. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter apples-to-apples coverage limits and deductibles for every quote you compare. If you have different coverage information you will not be able to determine the lowest rate for your Chevy Lumina Minivan. Even a minor difference in limits could mean much higher rates. Keep in mind that comparing more company’s prices increases your odds of finding the best rates.

Insurance policy discounts

The price of auto insurance can be rather high, but you may qualify for discounts to cut the cost considerably. Many discounts should be triggered at the time of quoting, but some need to be specifically requested in order for you to get them.

• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less since newer models have better safety ratings.
• Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
• Military Deployment Discount – Having a deployed family member can result in better prices.
• Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Lumina Minivan insurance compared to accident prone drivers.
• Discount for Home Ownership – Simply owning a home can earn you a little savings because owning a home requires a higher level of personal finance.
• Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents and will save you 10% or more.
• Air Bags and Passive Restraints – Vehicles with factory air bags can qualify for discounts up to 30%.
• Drive Less and Save – Keeping the miles down on your Chevy may enable drivers to earn slightly better premium rates than normal.
• Distant Student Discount – Youth drivers who live away from home at college without a vehicle on campus may be insured at a cheaper rate.

You can save money using discounts, but most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it doesn’t quite work that way.

Large insurance companies and a selection of discounts are included below.

• Progressive offers discounts including online quote discount, online signing, good student, continuous coverage, multi-policy, homeowner, and multi-vehicle.
• AAA offers premium reductions for multi-policy, AAA membership discount, multi-car, good driver, pay-in-full, and anti-theft.
• Farmers Insurance policyholders can earn discounts including early shopping, teen driver, mature driver, pay in full, electronic funds transfer, homeowner, and good student.
• Geico may have discounts that include membership and employees, good student, defensive driver, multi-policy, anti-lock brakes, and military active duty.
• Esurance discounts include good driver, online quote, good student, safety device, homeowner, and renters.
• SAFECO has discounts for anti-lock brakes, anti-theft, bundle discounts, accident prevention training, and multi-car.
• State Farm may offer discounts for accident-free, defensive driving training, multiple policy, student away at school, and passive restraint.

Before buying, ask every insurance company how many discounts you can get. Some of the discounts discussed earlier might not apply in every state. To see a list of insurance companies with the best discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• What is high-risk coverage and where do I buy it?
• Should I buy additional glass protection?
• Is my Chevy Lumina Minivan covered if I use it for business?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered when driving a rental car?
• What is medical payments coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Who is covered when they drive my 1992 Chevy Lumina Minivan?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

This 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 can pay for claims such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, hospital visits, pain medications, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 1992 Chevy Lumina Minivan.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

The bottom line

Budget-conscious 1992 Chevy Lumina Minivan insurance can be purchased online as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and these regional insurance providers work with local independent agents.

Insureds who switch companies do it for a number of reasons such as high prices, an unsatisfactory settlement offer, questionable increases in premium or extreme rates for teen drivers. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Additional information is available at these links:

• Prom Night Tips for Teen Drivers (State Farm)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Speed and Speed Limit FAQ (iihs.org)
• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)