View 1993 Chevrolet Lumina Car Insurance Rates

Searching for lower insurance rates for your Chevrolet Lumina? Locating low-cost insurance for a Chevy Lumina can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy insurance so you’re going to learn the best way to compare rates on a Chevy and obtain the lowest possible price from both online companies and local agents.

If you have insurance now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Locating affordable coverage is simple if you know the tricks. Vehicle owners just need to learn the most efficient way to compare price quotes on the web.

How to shop insurance online

Most larger insurance companies such as State Farm and Allstate allow consumers to get prices for coverage online. Comparing rates online is fairly straightforward because you just enter your coverage information on the page. After you complete the form, the system orders your driving and credit reports and returns a price quote.

This makes it a lot easier to compare rates but the time required to go to different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to find lower prices.

Compare rates the easy way

A quicker way to find lower prices requires only one form that obtains quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. After sending the form, it is quoted and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To compare pricing, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. Doing this guarantees you will have comparison quotes using the exact same coverages.

Take advantage of every insurance coverage discount

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that many consumers don’t even know exist. Most are applied at quote time, but a few must be asked for prior to receiving the credit. If you’re not getting every credit you deserve, you are not getting the best rate possible.

• Early Switch Discount – Some companies provide a discount for switching to them before your current policy expires. You could save around 10% when you buy insurance online.
• Air Bags and Passive Restraints – Factory air bags may get savings of 20 to 30 percent.
• Auto/Life Discount – Not all insurance coverage companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance too.
• Good Student Discount – Being a good student may save as much as 25% on a insurance quote. This discount can apply up until you turn 25.
• Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
• Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To choose insurers that offer many of these discounts, follow this link.

How to know if you need help

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

• If my 1993 Chevy Lumina is totaled, can I afford another vehicle?
• What if I don’t agree with a claim settlement offer?
• What is roadside assistance coverage?
• Am I covered if my car is in a flood?
• How much can I save by bundling my policies?
• Where can I get insurance after a DUI in my state?
• Am I getting all the discounts available?
• Can my babysitter drive my car?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Quote Chevy Lumina insurance at a discount

When buying insurance it’s important to understand a few of the rating criteria that help determine the price you pay for insurance. If you understand what controls the rates you pay, this allows you to make good choices that will entitle you to big savings.

Shown below are a few of the things used by companies to determine prices.

• Teen drivers cost more – Drivers with little experience are proven to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates. Older, more experienced drivers are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.
• The more you drive the more you pay – The higher the mileage driven each year the more it will cost to insure it. Almost all companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your policy shows the right rating data. Improper usage on your Lumina is just wasting money.
• Low deductibles can be expensive – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some coverage claims are a broken windshield, damage from fire, or theft. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if the claim is covered. The more expense you are required to pay out-of-pocket, the lower your rates will be for Lumina coverage.
• Never go without insurance – Driving without insurance is illegal and you will pay a penalty because you let your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
• Excellent credit scores equal low prices – A driver’s credit rating is a big factor in determining premium rates. So if your credit rating could use some work, you could pay less to insure your 1993 Chevrolet Lumina if you improve your credit rating. People with high credit scores tend to be less risk to insure than drivers with lower credit ratings.

Learn about insurance coverages for a Chevy Lumina

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Lumina.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

This coverage protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, attorney fees, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed, falling objects, a tree branch falling on your vehicle and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for surgery, rehabilitation expenses, funeral costs, pain medications and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, hitting a mailbox, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Quote often and quote early

Drivers who switch companies do it for many reasons like questionable increases in premium, being labeled a high risk driver, high prices or unfair underwriting practices. No matter why you want to switch, choosing a new company can be less work than you think.

Cheaper insurance is definitely available online as well as from independent agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these regional insurance providers prefer to sell through independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice full coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

To read more, link through to the resources below:

• Credit and Insurance Scores (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Neck Injury FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)