Save on 1993 Chevrolet Lumina Insurance Quotes

Searching for the cheapest insurance rates for your Chevrolet Lumina? Tired of trying to scrape together enough money to buy car insurance? You are no different than many other drivers.

Companies like Progressive, State Farm and GEICO all promote huge savings with ad campaigns and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. But vehicle owners can benefit from knowing the way companies sell online.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but less common discounts must be specifically requested prior to receiving the credit.

  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Memberships – Participating in a professional or civic organization could trigger savings when buying car insurance on Lumina coverage.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Lumina coverage than drivers with accident claims.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Claim Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Lumina coverage with certain companies.

It’s important to note that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts, click this link.

Comprehensive Auto Insurance Comparison

There are several ways to get quotes from auto insurance companies in your area. The easiest way to compare 1993 Chevy Lumina insurance prices consists of obtaining rate quotes online. This can be accomplished in several different ways.

  1. The single most time-saving way to find low rates is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for boring form submissions for each company you want a rate for. One quote request gets you coverage quotes direct from many companies.
  2. A different way to obtain and compare quotes online consists of visiting each individual company website and request a quote. For example, we’ll pretend you want comparison quotes from Farmers, Safeco and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The most time-consuming way of getting rate comparisons is driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you require the professional advice of a licensed agent. Drivers can price shop online and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits on every quote you get. If you have unequal deductibles or liability limits you will not be able to decipher which rate is best. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that comparing a large number of companies will improve the odds of getting a better price.

Chevy Lumina rates influenced by many factors

It’s important that you understand some of the elements that come into play when calculating your insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get better insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate your rates.

  • Extra coverages can waste money – There are a ton of additional coverages that you can get tricked into buying when buying insurance. Coverages like vanishing deductibles, accidental death and membership fees are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Don’t cancel a policy without a new one in place – Driving with no insurance is against the law and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Increase deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Chevy from damage. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles are the amount of money you are required to spend in the event of a claim. The more expense you have to pay, the lower your rates will be on Lumina coverage.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Lower miles equals lower premium – The more miles you rack up on your Chevy each year the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Improper usage on your Lumina may be costing you. Make sure your insurance policy is rated on how each vehicle is driven.

Is my situation unique?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Is my teen driver covered when they drive my company car?
  • Why do I only qualify for high-risk insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I make deliveries for my home business?
  • How much can I save by bundling my policies?
  • Am I covered when driving a rental car?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Do drivers who switch really save $389 a year?

Allstate and Progressive consistently run ads on TV and radio. All the companies make an identical promise that you’ll save big if you change your policy. How does each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. For example, a driver they prefer might be profiled as over the age of 40, has no prior claims, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will be charged higher premiums which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s why companies can advertise the savings.

That is why you need to get as many comparisons as possible. Because you never know which insurance coverage company will provide you with the cheapest Chevy Lumina insurance rates.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims like damage from getting keyed, hitting a bird and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Lumina.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, nursing services, pain medications, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Lumina resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage, repair costs for stationary objects, loss of income and emergency aid. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Keep this in mind

Budget-conscious 1993 Chevy Lumina insurance can be purchased on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented some good ideas how to save on insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small mutual company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford.

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