Lower Your 1991 Chevrolet Lumina Car Insurance Rates

Looking for cheaper car insurance rates for your Chevrolet Lumina? Car insurance shopping is not really something consumers relish, but all states require it before you can legally be on the road.

How to Compare Insurance Coverage Costs

All major insurance coverage companies such as Allstate, GEICO and Progressive give prices for coverage online. The process doesn’t take a lot of time as you just enter the coverage amounts you desire into a form. After you complete the form, their system will order your credit score and driving record and quotes a price based on these and other factors.

This makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you are searching for a better rate.

The smarter way to find cheaper rates is to use a quote form to return rates from several companies at one time. It saves time, requires less work, and makes online quotes a lot less work. After sending the form, it is quoted and you are able to buy your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you enter your coverages exactly as they are listed on your policy. This ensures you will receive rate comparison quotes for exact coverage.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Lumina insurance depending on your company.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when shopping for car insurance on Lumina insurance.
  • No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Lumina insurance than less cautious drivers.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better car insurance rates on Lumina insurance.

It’s important to note that some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

For a list of insurance companies who offer car insurance discounts, follow this link.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • At what point should I drop full coverage?
  • How can I get my company to pay me more for my totalled car?
  • What are the best liability limits?
  • Am I covered if I crash into my own garage door?
  • I have good health insurance, so how much medical payments coverage do I need?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why do I only qualify for high-risk insurance?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Learn about auto insurance coverages for a 1991 Chevy Lumina

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

This covers damage to your Lumina resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, hitting a mailbox, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for 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 claims like fire damage, damage from getting keyed, vandalism, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like EMT expenses, hospital visits, surgery and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like court costs, emergency aid, bail bonds, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.