Lower Your 1991 Chevrolet Lumina Minivan Insurance Rates

Tired of paying out the nose to insure your Chevy every month? You’re in the same situation as most other car owners.

Numerous insurers battle for your business, so it’s not easy to compare every insurer to find the lowest cost out there.

It’s smart to take a look at other company’s rates every six months since insurance rates are constantly changing. Despite the fact that you may have had the best price for Lumina Minivan insurance a year ago you may be paying too much now. There is a lot of bad information regarding auto insurance on the internet, so with this article, you’re going to get some of the best ways to find cheap auto insurance.

Comprehensive Insurance Coverage Comparison Quotes

The are a couple different ways to get quotes from local insurance coverage companies. The easiest way to find competitive 1991 Chevy Lumina Minivan insurance rates consists of shopping online. This can be accomplished using a couple different methods.

• One of the simplest ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate forms for each company you want a rate for. Just one form gets rate comparisons direct from many companies.
• A slightly less efficient method to shop for insurance coverage online is to manually visit each individual company website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Liberty Mutual and State Farm. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, compare identical information with each company. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Chevy Lumina Minivan. Just a small difference in limits may cause a big price difference. And when comparison shopping, quoting more will improve the odds of getting lower pricing.

Discounts are basically free money

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be specifically requested before you get the savings.

• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Student in College – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
• Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Lumina Minivan insurance depending on your company.
• Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

For a list of companies offering car insurance discounts, click here.

Which insurance is the “right” coverage?

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you may require specific advice.

• Why does it cost so much to insure a teen driver?
• Should I get collision insurance on every vehicle?
• Who is covered by my policy?
• Is my 1991 Chevy Lumina Minivan covered for smoke damage?
• Can I afford low physical damage deductibles?
• When can my company non-renew my policy?
• Am I covered if I break a side mirror?
• Will filing a claim cost me more?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid, medical expenses, structural damage and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from flooding and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Lumina Minivan.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, driving through your garage door, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.