1998 Chevrolet Lumina Insurance Quotes – 7 Tips to Save

Trying to find better insurance rates? Buyers have options when searching for the lowest priced Chevy Lumina insurance. They can either spend hours calling around getting price quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to buy insurance so we’re going to tell you the proper way to get price quotes for a Chevy and get the lowest price.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Consumers just need to understand the proper way to compare prices on the web.

Are you qualifying for every discount?

Insurance can be prohibitively expensive, but there may be some discounts that you may not even be aware of. Some trigger automatically when you quote, but a few must be specially asked for before you will receive the discount.

• Defensive Driving Course – Taking part in a defensive driver class could cut 5% off your bill if your company offers it.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Military Discounts – Being on active deployment in the military could trigger a small discount.
• Save with a New Car – Putting coverage on a new car can get you a discount since new model year vehicles have better safety ratings.
• Sign Online – A few insurance companies may give you up to $50 for buying your policy over the internet.
• Air Bag Discount – Vehicles equipped with air bags could see savings as much as 30%.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving can save a little off PIP or medical payments premium.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free insurance policy, you won’t be that lucky.

To choose insurance companies that offer discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you might need professional guidance.

• Can I drive in Mexico and have coverage?
• Is my custom paint covered by insurance?
• Should I buy only the required minimum liability coverage?
• What is UM/UIM insurance?
• Does liability extend to a camper or trailer?
• Does my 1998 Chevy Lumina need full coverage?
• What is no-fault insurance?
• Am I covered if I crash into my own garage door?
• If I drive on a suspended license am I covered?
• When should I not file a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Switch companies and save? Really?

Consumers can’t avoid all the ads for cheaper car insurance from the likes of State Farm, Geico and Progressive. All the ads tend to make the same promise about saving some big amount if you switch to them.

How does every company sell you cheaper insurance coverage? Here is the trick they use.

Car insurance companies require specific criteria for the type of driver that will generate a profit. For instance, this type of insured could possibly be between the ages of 30 and 50, carries high limits, and drives a lower-performance vehicle. A customer who meets those qualifications will most likely get cheap auto insurance rates and have a good chance to save if they switch.

Insureds who do not fit the requirements will be charged more expensive rates and this results in the driver buying from a lower-cost company. The trick is to say “drivers that switch” not “all people who quote” save money. This is how insurance companies can confidently make those claims. Because of these techniques, you absolutely need to compare rate quotes every year. It is impossible to guess which car insurance company will have better prices than you’re paying now.

Insurance coverage breakdown

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Lumina.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, dental work, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane, hitting a bird, theft and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

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 and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, backing into a parked car, scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Have the Midas touch

Lower-priced 1998 Chevy Lumina insurance can be bought online in addition to many insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some auto insurance companies do not offer internet price quotes and most of the time these small insurance companies prefer to sell through independent insurance agents.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut full coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best cost, but do not skimp to save money.

Consumers who switch companies do it for many reasons like poor customer service, policy non-renewal, high prices and even questionable increases in premium. It doesn’t matter what your reason, finding the right auto insurance provider is not as hard as you think.

To read more, feel free to visit the resources below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Auto Insurance Learning Center (State Farm)