How Much Does 1996 Chevrolet Lumina Minivan Car Insurance Cost?

Looking for cheaper car insurance rates for your Chevrolet Lumina Minivan? I doubt anyone fancies paying their premiums for car insurance, particularly when the price is too high. Consumers have multiple insurers to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to compare company pricing.

It’s a great practice to do rate comparisons before your policy renews due to the fact that insurance rates change regularly. Even if you got the best premium rates on Lumina Minivan coverage six months ago there may be better deals available now. There is too much inaccurate information about car insurance online, but I’m going to show you some great ways to lower your car insurance rates.

The purpose of this article is to introduce you to how to effectively get price quotes and some tips to save money. If you have car insurance now, you should be able to cut costs considerably using these tips. Vehicle owners just need to understand the most efficient way to get comparison rates over the internet.

More discounts mean cheaper premiums

Some insurers don’t always publicize all disounts in a way that’s easy to find, so the following is a list of a few of the more well known and also the more inconspicuous credits available to bring down your rates.

• Driving Data Discount – Insureds that choose to allow data collection to look at vehicle usage remotely like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
• Accident-Free Discounts – Drivers with accident-free driving histories get the best auto insurance rates when compared with accident-prone drivers.
• Responsible Driver Discount – Drivers without accidents can save as much as half off their rates on Lumina Minivan coverage than drivers with accident claims.
• Low Miles Discount – Maintaining low annual mileage could qualify for discounted premium rates on garaged vehicles.
• Active Service Discounts – Being deployed with a military unit could mean lower prices.
• College Student – Older children who live away from home at college and do not have access to a covered vehicle can receive lower rates.
• Own a Home and Save – Owning a house can save a few bucks because maintaining a house is proof of financial responsibility.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.

We need to note that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Some of the insurance companies that may include these money-saving discounts include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When comparing rates, check with every company how you can save money. Some of the earlier mentioned discounts might not be available to policyholders everywhere.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact most insurance companies provide online access to compare rate quotes. All you need to do is take a few minutes to give details including whether you are single or married, if the car is leased, how much education you have, and if it has an anti-theft system. Your rating data gets sent immediately to multiple auto insurance providers and you get price estimates immediately.

To check rates for your Chevy Lumina Minivan now, click here and find out if you can get cheaper insurance.

It’s not one size fits all

When buying adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether you will benefit from professional help.

• Should I buy full coverage?
• Are split liability limits better than a combined single limit?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if hit by an uninsured driver?
• Do I pay less if my vehicle is kept in my garage?
• Is a blown tire covered by insurance?
• Do I need special endorsements for business use of my vehicle?
• Should I have a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, prosthetic devices, nursing services and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 1996 Chevy Lumina Minivan.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages

Liability coverage protects you from damage that occurs to other people or property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, medical expenses, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, theft, fire damage and hitting a deer. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, backing into a parked car, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

What is YOUR best insurance company?

Some companies don’t offer price quotes online and usually these smaller companies sell through local independent agencies. The cheapest 1996 Chevy Lumina Minivan insurance can be sourced from both online companies and from local insurance agents, so compare prices from both to get a complete price analysis.

When getting insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

More detailed auto insurance information can be read in the articles below:

• Safety Belts FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Child Safety FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)