Trying to find better auto insurance rates for your Chevrolet Lumina Minivan? Having to pay for expensive auto insurance can drain your checking account, especially in this economy. Doing a price comparison is a great way to ensure you are getting the best deal.
Having so many insurance providers from which to choose, it’s nearly impossible to choose the cheapest auto insurance company.
The purpose of this post is to help educate you on how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Nevertheless, consumers must understand how the larger insurance companies price insurance differently and use this information to your advantage.
Car insurance companies do not list all their discounts very clearly, so the list below details a few of the more common in addition to some of the lesser obvious discounts that may be available.
A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.
A list of companies and some of the discounts include:
When quoting, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply in your state. If you would like to choose from a list of insurers who offer online auto insurance quotes, click here to view.
When shopping for the cheapest insurance coverage quotes, there are a couple of ways to compare quotes from all the different companies. The best method to find the lowest 1993 Chevy Lumina Minivan rates consists of shopping online. This is very easy and can be done in a couple of different ways.
Whichever way you choose to compare rates, ensure you are comparing nearly identical quote data on every quote you get. If you are comparing different coverage information it’s impossible to make a fair rate comparison. Slightly different insurance coverages can result in a big premium difference. And when comparison shopping, quoting more helps improve the odds of finding the best offered rates.
When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining whether or not you could use an agent’s help.
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, theft and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision insurance
This pays to fix your vehicle from damage 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 claims such as scraping a guard rail, crashing into a ditch, hitting a parking meter, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Chevy Lumina Minivan.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, X-ray expenses, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
Auto liability insurance
Liability coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. 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 might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers things like funeral expenses, loss of income, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, consumers will sacrifice physical damage coverage only to discover later that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
We’ve covered many ideas to compare 1993 Chevy Lumina Minivan insurance premium rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the best price on car insurance is with an unexpected company. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
To read more, link through to the following helpful articles:
Lenny Mcintosh
Is Allstate cheaper than GEICO in South Burlington, Vermont?
Adelle Willis
Located in Lexington, KY, and GEICO rates were best. Thankfully I have a good driving record.
Avery Jacobson
Not sure if this is cheap. I’m in New Orleans, LA. Checked online prices for a 1993 Chevrolet Lumina Minivan. Ended up at about $90 savings annually. Went with GEICO. I don’t have comp or collision coverage.
Carman Maynard
Does 21st Century do SR22s in Minnesota?
Newton Aguirre
Any GEICO or Encompass customers near Lewiston, ME?
Yadira Moses
Lifelong resident of Burlington, VT. Got quotes from Allstate, Hartford, and Erie for my 1993 Chevrolet Lumina Minivan and I’m now saving $21 a month. Got better coverage too.