How Much Does 1993 Chevrolet Lumina Minivan Insurance Cost?

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.

Earn discounts on auto insurance

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.

• Government Employees – Active or retired federal employment can earn a discount up to 10% on Lumina Minivan insurance with a few auto insurance companies.
• No Claims – Drivers who don’t have accidents have much lower rates compared to frequent claim filers.
• Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy a life insurance policy as well.
• Homeowners Pay Less – Just being a homeowner may earn you a small savings since home ownership demonstrates responsibility.
• Distant Student Discount – Children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Defensive Driver Discounts – Completing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Military Discounts – Being on active deployment in the military can result in better rates.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.

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:

• Farm Bureau may include discounts for multi-vehicle, youthful driver, multi-policy, driver training, and renewal discount.
• State Farm has savings for multiple autos, good student, anti-theft, good driver, and multiple policy.
• Progressive has discounts for homeowner, online signing, multi-vehicle, continuous coverage, and good student.
• Allstate discounts include farm vehicle, early signing, FullPay discount, resident student, and defensive driver.
• Nationwide policyholders can earn discounts including easy pay, defensive driving, anti-theft, Farm Bureau membership, and good student.
• MetLife offers premium reductions for good student, accident-free, good driver, claim-free, defensive driver, and multi-policy.

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.

Compare insurance price quotes online

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.

1. If you don’t have a lot of time, the easiest way to find low rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry for each company. One form submission will get you price quotes from insurance companies with the best prices.
2. A less efficient way to compare prices consists of going to each company’s website and fill out a new quote form. For examples sake, we’ll assume you want to get rates from Progressive, Esurance and Geico. To do that, you would have to spend time on each company’s site to enter your coverage information, which can get old fast. For a list of companies in your area, click here.
3. The least efficient and most time consuming way to shop rates is actually driving to each insurance agency near you. Quoting and buying insurance online makes this unnecessary unless you want the guidance only provided by licensed agents. If you prefer, some companies allow you to compare the best prices online but purchase the actual policy in an agency.

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.

Tailor your auto insurance coverage to you

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.

• Why does it cost so much to insure a teen driver?
• How can I force my company to pay a claim?
• When should I remove comp and collision on my 1993 Chevy Lumina Minivan?
• Do I need roadside assistance coverage?
• What are the best liability limits?
• Which is better, split liability limits or combined limits?
• Is other people’s property covered if stolen from my vehicle?
• Is a new car covered when I drive it off the dealer lot?
• Can I afford low physical damage deductibles?
• What is medical payments coverage?

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.

Coverages available on your car insurance policy

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.

Coverage on a shoestring budget

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:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Senior Drivers (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)