Cheaper 1995 Chevrolet Lumina Minivan Insurance Quotes

Searching for the cheapest auto insurance rates for your Chevrolet Lumina Minivan? Have you finally had enough of not being able to afford to insure your Chevy every month? You’re in the same situation as the majority of other people.

Many auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Smart consumers take time to compare prices as often as possible because auto insurance prices tend to go up over time. If you had the lowest price for Lumina Minivan insurance last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the fastest way to find lower rates on auto insurance.

Low cost insurance coverage prices

Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way to do it. You can waste hours talking to agents in your area, or you could use the web for quick rates.

The majority of car insurance companies belong to an insurance system where prospective buyers send in one quote, and at least one company can give them a price based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

One minor caviat to doing it this way is buyers cannot specifically choose the providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical quote data on every quote. If you enter different data it will be very difficult to make a fair rate comparison. Having just a slight variation in coverages could throw off the whole comparison. Just remember that quoting more gives you a better chance of getting a lower rate.

Discounts can really help lower premiums

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden credits available to you.

• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
• Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better premium rates if you take out life insurance.
• Save with More Vehicles Insured – Buying a policy with more than one vehicle with the same insurance coverage company may reduce the rate for each vehicle.
• Resident Student – Any of your kids who are attending college and do not take a car to college can be insured at a reduced rate.
• Safety Course Discount – Taking a class that teaches defensive driving techniques can save you 5% or more and easily recoup the cost of the course.

Don’t be surprised that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

A list of companies and their offered discounts are:

• Farmers Insurance has discounts for distant student, pay in full, early shopping, teen driver, electronic funds transfer, good student, and bundle discounts.
• State Farm offers discounts including driver’s education, student away at school, anti-theft, safe vehicle, multiple policy, Drive Safe & Save, and passive restraint.
• Liberty Mutual may have discounts that include new move discount, multi-car, newly married, new vehicle discount, preferred payment discount, and teen driver discount.
• MetLife discounts include claim-free, good student, accident-free, defensive driver, multi-policy, good driver
• Progressive may offer discounts for multi-policy, online signing, multi-vehicle, continuous coverage, homeowner, and good student.

If you are trying to find the cheapest insurance quotes, ask each company which credits you are entitled to. Some credits may not apply to policyholders in your state.

Smart buyers can cut insurance costs

Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent such as your credit history and annual miles driven.

• Gals tend to take less risk – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean males are worse at driving than females. They both are responsible for accidents at about the same rate, but the men get into accidents with more damage. Men also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore have the most expensive car insurance rates.
• Save miles and save money – Driving a lot of miles in a year’s time the higher the price you pay to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles left parked in the garage cost less to insure than cars that get driven a lot. Incorrect rating for your Lumina Minivan can result in significantly higher rates. Make sure your car insurance coverage shows annual mileage.
• Premiums are affected by your credit rating – Having a bad credit score can be a huge factor in your rate calculation. Insureds with good credit tend to be more responsible and file fewer claims than drivers who have lower ratings. If your credit history can use some improvement, you could pay less to insure your 1995 Chevrolet Lumina Minivan by spending a little time repairing your credit.
• Policy lapses lead to higher rates – Not having 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, getting caught without coverage may result in a hefty fine and possibly a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Safer the car lower the rate – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars reduce the chance of injuries and lower injury rates means your insurance company pays less and thus lower rates. If your Chevy Lumina Minivan is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

• When can my company non-renew my policy?
• Am I covered when delivering products for my home-based business?
• Can my babysitter drive my car?
• Will my rates increase for filing one claim?
• What if I owe more than I can insure my car for?
• Is my 1995 Chevy Lumina Minivan covered for flood damage?
• If I drive on a suspended license am I covered?
• Does my policy cover my teen driver if they drive my company car?
• What is high-risk coverage and where do I buy it?

If you can’t answer 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.

Can you really save if you switch?

Big name companies like 21st Century, Allstate and State Farm consistently run television, radio, and online ads. They all make an identical promise about savings after switching your policy. That’s great but how can every company lower your car insurance rates? It’s all in the wording.

Insurance companies can use profiling for the right customer that will generate a profit. A good example of a profitable insured could be a mature driver, has a clear driving record, and has a high credit rating. A customer that matches those criteria will probably get cheap rates and will most likely save if they switch.

People who fall outside this stringent profile will be quoted higher premiums which leads to the customer buying from someone else. Company advertisements say “people that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make it sound like they have such great prices. Because of this risk profiling, it is so important to get insurance quotes as often as possible. You cannot predict which insurance companies will have the best premium rates.

The coverage is in the details

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Lumina Minivan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

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

Collision coverage pays for claims like colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, funeral costs, prosthetic devices and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, hail damage and damage from flooding. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, funeral expenses, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

In any little way, save everyday

When searching for low cost insurance quotes, never skimp on coverage in order to save money. There have been many cases where someone dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Affordable 1995 Chevy Lumina Minivan insurance can be found from both online companies and also from your neighborhood agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not provide online price quotes and most of the time these smaller providers work with independent insurance agents.

To learn more, link through to the articles below:

• Senior Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)