Searching for the cheapest auto insurance rates for your Chevrolet Lumina Minivan? Have you had enough of scraping the payment together to insure your Chevy every month? You are in the same boat as most other car owners. Many auto insurance companies vie for your business, so it can be very hard to choose a provider to find the absolute best rates possible.
It’s a great practice to check auto insurance prices yearly due to the fact that insurance rates trend upward over time. Just because you found the lowest price on Lumina Minivan coverage six months ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because you’re about to find out the easiest way to find the best coverage while lowering your premiums.
If you are insured now or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to know the best way to get comparison rates over the internet.
All major insurance companies give prices for coverage on their websites. Getting online rates is fairly straightforward as you simply enter your coverage preferences as requested by the quote form. Once you submit the form, the company’s rating system sends out for credit information and your driving record and quotes a price based on many factors. Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms gets old quite quickly. But it is imperative to get many rate quotes if you want to find the lowest possible prices on insurance.
A more efficient way to compare insurance pricing is to use a quote form that gets prices from more than one company. It’s a real time-saver, eliminates form submissions, and makes online quotes much simpler. As soon as the form is sent, it is quoted and you can choose your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It can be completed in less than 10 minutes and could lower your rates considerably.
To quickly compare rates now, click here to open in new window and submit the form. If you have a policy now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. Doing this assures you are getting comparison quotes for the exact same coverage.
Companies don’t list every available discount in an easy-to-find place, so here is a list both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
To see a list of insurance companies who offer auto insurance discounts, click here to view.
When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover whether you could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Having a good grasp of insurance helps when choosing 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. These are typical coverage types available from insurance companies.
Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers claims such as emergency aid, medical expenses, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive auto coverage
This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as fire damage, a tree branch falling on your vehicle and theft. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
This coverage covers damage to your Lumina Minivan resulting 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 scraping a guard rail, crashing into a building, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.