Looking for better auto insurance rates for your Chevrolet Lumina Minivan? Finding low-cost auto insurance on the web can seem to be somewhat difficult for consumers new to buying insurance on the web. Because there are so many online companies available, how can drivers have a chance to compare the different rates to find the cheapest rates?
When shopping for insurance there are multiple ways of comparing rate quotes from insurance companies in your area. The fastest way to find competitive 1993 Chevy Lumina Minivan insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.
Whichever way you use, ensure you’re using the exact same coverage limits on every quote you get. If you compare mixed coverages you can’t possibly determine the best price for your Chevy Lumina Minivan. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, quoting more will increase your chances of finding a better price.
When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.
For example, these questions can aid in determining whether you might need professional guidance.
If you can’t answer 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.
Knowing the specifics of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.
This coverage will pay to fix damage to your Lumina Minivan resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like scraping a guard rail, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Lumina Minivan.
Due to the fact that many 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 set the same as your liablity limits.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for hospital visits, pain medications, chiropractic care, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people. 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. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like bail bonds, pain and suffering, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.