1992 Chevrolet Lumina Minivan Car Insurance Quotes – 9 Tricks for Best Rates

Drivers have many options when trying to find the lowest priced Chevy Lumina Minivan insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes. There are more efficient ways to shop for insurance and you need to know the absolute fastest way to get price quotes for a Chevy and obtain the best price possible from both online companies and local agents.

The method we recommend to compare car insurance company rates utilizes the fact most larger insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is give them rating details including any included safety features, how many miles driven, your general credit rating, and the make and model of your vehicles. That information gets sent immediately to multiple different insurance companies and they provide comparison quotes very quickly.

To find lower rates now, click here and find out if you can get cheaper insurance.

Your personal situation dictates your coverage

When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• Does coverage extend to a rental car in a foreign country?
• Is my trailer covered?
• Is other people’s property covered if stolen from my vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if hit by an uninsured driver?
• Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, court costs, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Lumina Minivan.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like surgery, EMT expenses, prosthetic devices, pain medications and X-ray expenses. They are used to fill the gap from your 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 as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Lumina Minivan resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, driving through your garage door, scraping a guard rail, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.