Save on 1991 Chevrolet Lumina Insurance Quotes

Comparison shopping for cheap auto insurance can be nearly impossible for drivers who are new to comparing rates online. With such a large number of companies, it can turn into a real challenge to find the best price.

You should make it a habit to take a look at other company’s rates on a regular basis since insurance rates go up and down regularly. If you had the lowest premium rates on Lumina insurance a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the things you must know in order to find better rates and still maintain coverage.

Compare quotes for car insurance

To find the best car insurance quotes, there are several ways to compare quotes from many different insurance companies. The best method to compare 1991 Chevy Lumina insurance prices involves getting comparison quotes online. This is quite simple and can be completed in a couple of different ways.

  1. One of the best ways to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do multiple quote forms for each company. Completing one form compares rates from multiple low-cost companies. It’s definitely the quickest method.
  2. A different way to find more affordable insurance is to manually visit the website for every company you want to comare to request a price quote. For instance, let’s say you want to compare rates from State Farm, Safeco and Progressive. You would need to go to every website to enter the same coverage data repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The old school method to compare price estimates is driving to and from local insurance agencies. Comparing rate quotes online eliminates this option unless your situation requires the trained advice that can only be provided by a licensed insurance agent. It is possible to find lower rates online and have a local agent actually service the policy.

Take whichever approach you prefer, but try to use apples-to-apples information with each company. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best. Just a small difference in limits may cause a big price difference. Just remember that comparing more rates from different companies helps locate the best rates.

Earn discounts to get lower-cost auto insurance quotes

The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. A few discounts will be applied when you purchase, but some need to be inquired about before they will apply.

  • Paperwork-free – A few larger companies provide a small discount for buying your policy digitally online.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy life insurance from them.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the medical payments premium.
  • Early Switch Discount – A few insurance companies allow discounts for switching to them early. Ten percent is about the average savings.
  • Military Discounts – Having a deployed family member could be rewarded with lower premium rates.
  • Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Lumina insurance as compared to drivers with claims.
  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive a slight reduction on a insurance coverage quote on Lumina insurance.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

You can save money using discounts, but many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride. But any discount will reduce the cost of coverage.

The best auto insurance companies and their possible discounts include:

  • State Farm includes discounts for safe vehicle, defensive driving training, student away at school, passive restraint, multiple policy, driver’s education, and good driver.
  • Geico may offer discounts for emergency military deployment, membership and employees, daytime running lights, good student, and military active duty.
  • Allstate policyholders can earn discounts including EZ pay plan discount, early signing, senior citizen, farm vehicle, utility vehicle, multi-policy, and auto/life discount.
  • SAFECO offers discounts for accident prevention training, drive less, teen safe driver, safe driver, anti-theft, homeowner, and bundle discounts.
  • Farm Bureau may include discounts for 55 and retired, good student, renewal discount, youthful driver, multi-vehicle, driver training, and safe driver.
  • Progressive may have discounts that include homeowner, good student, online signing, multi-vehicle, multi-policy, and continuous coverage.
  • AAA has savings for AAA membership discount, pay-in-full, good student, good driver, anti-theft, multi-car, and multi-policy.

When getting free insurance coverage quotes, it’s a good idea to all the companies what discounts are available to you. Some credits might not be offered on policies in your state.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Can I drive in Mexico and have coverage?
  • Where can I find high-risk insurance?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Smart consumers know how to buy insurance for less

Many things are taken into consideration when premium rates are determined. Some factors are common sense such as your driving history, but other factors are less apparent such as your credit history or how safe your car is.

  • Only buy coverage you need – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like coverage for rental cars, towing, and extra equipment coverage are some examples. The coverages may be enticing when talking to your agent, but if they’re wasting money remove them and pocket the money.
  • Do you have a high stress occupation? – Jobs such as fire fighters, social workers and financial analysts tend to pay higher rates than average in part from intense work-related stress and extremely grueling work hours. Conversely, occupations like actors, athletes and homemakers pay the least on Lumina insurance.
  • Don’t abuse policy claims – If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies generally give the lowest premiums to people who do not file claims often. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Responsible credit scores equal low premiums – An insured’s credit score is likely to be a major factor in determining what you pay for insurance. So if your credit can be improved, you could save money insuring your 1991 Chevrolet Lumina by repairing your credit. People that have excellent credit scores tend to be more responsible and file fewer claims than those with worse credit.

Ads can be misleading

Insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to state the claim that you can save after switching your insurance coverage to their company. How does every company charge you a lower premium? It’s all in the words they use.

All companies can use profiling for the type of customer they prefer to insure. One example of this type of insured might be described as over the age of 50, owns a home, and drives a safe vehicle. Anyone who matches those parameters will get low premium rates and have a good chance to cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile may be required to pay higher premium rates and business going elsewhere. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that much. That’s the way insurance companies can make claims that they all have the best premium rates.

This really drives home the point why drivers must compare free insurance coverage quotes often. It is impossible to guess with any certainty which company will have better car insurance rates than you’re paying now.

Auto insurance coverage information

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like X-ray expenses, chiropractic care, funeral costs, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from 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 things like damage from getting keyed, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1991 Chevy Lumina.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance covers damage to your Lumina resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, hitting a parking meter, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, structural damage, emergency aid, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Summing up your insurance search

We just covered a lot of techniques to reduce 1991 Chevy Lumina insurance car insurance rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates come from a lesser-known regional company.

As you quote insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage and discovered at claim time that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at the best cost.

Cheaper 1991 Chevy Lumina insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide online quoting and many times these regional insurance providers prefer to sell through local independent agents.

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