1996 Chevrolet Lumina Insurance Rates – 7 Tips for Cheaper Quotes

Paying for expensive Chevrolet Lumina insurance can eat up your family’s budget and make it hard to pay other bills. Comparison shopping can save money and help to slash your bill and have more diposable income.

You have so many auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, more choices can make it harder to get the best deal.

This article will help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. But consumers must learn how big insurance companies price online insurance and use this information to your advantage.

Insurance coverage quotes and discounts

Insurance coverage can be pricey, but there may be some discounts that may help make it more affordable. A few discounts will be applied when you quote, but less common discounts must be inquired about before you get the savings.

• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
• Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
• Club Memberships – Joining a qualifying organization can get you a small discount on your next insurance coverage statement.
• Telematics Devices – Drivers who agree to allow driving data submission to track their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease for Lumina insurance depending on your company.
• Passive Restraint Discount – Factory options such as air bags or automatic seat belts could see savings as much as 30%.
• Military Deployment Discount – Having an actively deployed family member could trigger a small discount.

Please keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

If you would like to view providers that offer multiple discounts, click here.

The best way we recommend to compare car insurance rates is to know car insurance companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is provide information like marital status, an estimate of your credit level, if you lease or own, and how your vehicles are used. Your details is instantly provided to multiple different insurance companies and you should receive rate quotes with very little delay.

Situations that may require an agent’s advice

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if you will benefit from professional help.

• How much underlying liability do I need for an umbrella policy?
• Should I file a claim if it’s only slightly more than my deductible?
• How can I get high-risk coverage after a DUI?
• Do I need added coverage for expensive stereo equipment?
• Does coverage extend to Mexico or Canada?
• Do I have coverage for damage caused while driving under the influence?
• What is PIP insurance?
• Do I have coverage when making deliveries for my home business?
• What is the ISO rating for a 1996 Chevy Lumina?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, falling objects, damage from a tornado or hurricane and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, court costs, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Lumina.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage

This will pay to fix damage to your Lumina resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, prosthetic devices, rehabilitation expenses, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

The bottom line

You just read a lot of information how to shop for 1996 Chevy Lumina insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

When you buy car insurance online, do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Some insurance providers do not offer internet price quotes and many times these regional carriers prefer to sell through independent insurance agents. Budget-conscious 1996 Chevy Lumina insurance is attainable on the web and with local insurance agents, so compare prices from both to have the best rate selection.

More information can be found at the links below

• Liability Insurance Coverage (Nationwide)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)