Cheap 1996 Chevrolet Lumina Car Insurance Cost

Looking for better insurance coverage rates for your Chevrolet Lumina? Having to pay for overpriced insurance coverage can overdraw your savings account and put a big crunch on your finances. Comparing price quotes is a smart way to lower your monthly bill.

Consumers have many insurers to buy insurance from, and although it’s a good thing to be able to choose, having more insurers makes it harder to compare rates and cut insurance costs.

How to Compare Insurance Coverage Costs

The are a couple different ways of comparing rates from different insurance companies. The best way to find competitive 1996 Chevy Lumina insurance rates consists of obtaining rate quotes online. This can be accomplished in several different ways.

The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. Completing one form compares rates instantly.
A less efficient way to shop for insurance coverage online requires visiting each individual company website and fill out their own quote form. For examples sake, we’ll assume you want rates from Liberty Mutual, Progressive and Travelers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but double check that you are using the exact same coverages and limits for every quote you compare. If your comparisons have different values for each quote it will be very difficult to determine which rate is truly the best. Quoting even small variations in limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more will enable you to find lower pricing.

Verify you’re getting all your discounts

Companies don’t always list every discount in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving.

Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Lumina coverage.
More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
Paperless Signup – A few companies may give you up to $50 simply for signing online.
Low Mileage – Keeping the miles down on your Chevy could qualify for better rates on cars that stay parked.
Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
Homeowners Discount – Simply owning a home may trigger a insurance policy discount because of the fact that having a home demonstrates responsibility.
One Accident Forgiven – Some insurance companies allow you one accident without raising rates if you are claim-free for a set time period.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.

Companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

When should I talk to an agent?

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

How do I insure my teen driver?
Do I need special endorsements for business use of my vehicle?
Is other people’s property covered if stolen from my vehicle?
Do I have coverage when using my vehicle for my home business?
Is my 1996 Chevy Lumina covered for flood damage?
What is covered by UM/UIM coverage?
Am I insured when driving a different vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for pain medications, EMT expenses, hospital visits, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means 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.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass, theft and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision insurance will pay to fix damage to your Lumina caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.