1999 Chevrolet Lumina Insurance Quotes

Looking for lower auto insurance rates for your Chevrolet Lumina? If you’re looking for lower-cost insurance on the web, are you overwhelmed by the dozens of auto insurance choices in your area? There are such a large number of options that it can easily become a difficult challenge to find the perfect company for you.

If you are paying for car insurance now, you will most likely be able to save some money using these methods. Finding the best auto insurance is simple if you know the tricks. Nevertheless, car owners do need to understand the way insurance companies market on the web and use this information to your advantage.

Insurance coverage policy discounts you can’t miss

The cost of insuring your cars can be expensive, but you might find some hidden discounts to help offset the cost. Some trigger automatically at the time of quoting, but a few must be asked for prior to receiving the credit.

• College Student – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
• Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more for Lumina coverage than drivers with accident claims.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems could see savings as much as 30%.
• Early Signing – Some larger companies provide a discount for switching policies prior to your current policy expiring. This can save 10% or more.
• Homeowners Pay Less – Owning your own home or condo can earn you a little savings because maintaining a house shows financial diligence.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and a partial list of their discounts are detailed below.

• State Farm offers premium reductions for safe vehicle, passive restraint, Drive Safe & Save, accident-free, good student, and multiple policy.
• American Family discounts include TimeAway discount, early bird, air bags, mySafetyValet, good student, accident-free, and multi-vehicle.
• AAA may offer discounts for good student, anti-theft, pay-in-full, AAA membership discount, and education and occupation.
• Geico has discounts for driver training, membership and employees, seat belt use, five-year accident-free, and multi-vehicle.
• Mercury Insurance offers discounts including multi-policy, multi-car, annual mileage, accident-free, and location of vehicle.
• Farmers Insurance policyholders can earn discounts including mature driver, electronic funds transfer, switch companies, multi-car, pay in full, and good student.
• Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online signing, online quote discount, and good student.

If you need lower rates, check with all the companies to give you their best rates. Depending on the company, some discounts may not be offered in your area. To see a list of insurance coverage companies with significant discounts, click here to view.

Shop car insurance online

Most major insurance companies such as State Farm, Geico and Progressive give insurance quotes online. Getting online rates is quite easy as you simply type in your coverage information into a form. After you complete the form, the quote system pulls information on your driving record and credit history and generates pricing information determined by many factors.

This streamlines rate comparisons, but the time required to go to multiple sites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes if you want to find the lowest car insurance rates.

There is an easier way to compare rates

A better way to locate the lowest prices utilizes a single form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated and you can choose any or none of the quote results. If you find a better price it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter deductibles and limits exactly as they are listed on your policy. Doing this assures you will get a fair comparison for similar insurance coverage.

How to lower your insurance rates

Part of the car insurance buying process is learning the factors that come into play when calculating car insurance rates. If you understand what controls the rates you pay, this allows you to make educated decisions that could help you find lower car insurance prices.

• Rural areas have lower premiums – Choosing to live in areas with lower population has it’s advantages when trying to find low car insurance rates. People who live in big cities have more auto accidents and much longer commute distances. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims.
• Does insurance cost more for men? – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. They both are responsible for fender benders at a similar rate, but the male of the species cause more damage. Men also tend to receive more major tickets like DUI and reckless driving.
• File a insurance claims and pay more – Car insurance companies award most affordable rates to people who are not frequent claim filers. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Get better rates if married – Walking down the aisle may save some money compared to being single. Having a spouse may mean you are more stable financially and statistics show married drivers tend to have fewer serious accidents.

Insurance agents can help

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation could use an agent’s help.

• How high should deductibles be on a 1999 Chevy Lumina?
• Does my policy cover my teen driver if they drive my company car?
• Are rental cars covered under my policy?
• Does medical payments coverage apply to all occupants?
• Do I have coverage for damage caused while driving under the influence?
• What can I do if my company denied a claim?
• Does my insurance cover my expensive audio equipment?
• Is motorclub coverage worth it?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for rehabilitation expenses, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for liability

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like funeral expenses, legal defense fees, loss of income, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This coverage will pay to fix damage to your Lumina from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

In the end, you save

Throughout this article, we presented some good ideas how you can lower your 1999 Chevy Lumina insurance prices. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest prices are with an unexpected company.

Lower-priced 1999 Chevy Lumina insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and these smaller companies only sell coverage through independent agencies.

Insureds leave their current company for many reasons like delays in responding to claim requests, policy cancellation, an unsatisfactory settlement offer or unfair underwriting practices. Whatever your reason, finding a new company can be less work than you think.

To learn more, feel free to browse the resources below:

• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driving Statistics (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)