1991 Chevrolet Lumina Minivan Insurance Quotes

Feel like you have high-priced auto insurance? You’re preaching to the choir because many drivers have buyer’s remorse. Consumers have many insurance companies to insure vehicles with, and even though it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

It’s a good idea to compare rates at least once a year because rates change frequently. Even if you got the best premium rates for Lumina Minivan insurance a couple years back you will most likely find a better price today. Ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Seven tips to get lower-cost insurance premiums

Many things are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but others are less obvious like where you live or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that go into determining auto insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that could help you find lower rates.

The itemized list below are most of the major factors used by insurance companies to determine prices.

  • You might want pay the minor insurance claims yourself – Car insurance companies award cheaper rates to insureds who only file infrequent claims. If you file a lot of claims you can expect either policy cancellation or increased premiums. Auto insurance is designed for more catestrophic claims.
  • Companies want multiple policies – Lots of insurance companies allow lower prices to customers that purchase more than one policy in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to get quotes from other companies to verify if the discount is saving money.
  • Less chance of injury means lower prices – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Lumina Minivan scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Mature drivers pay less – More experienced drivers have been proven to be more responsible, file fewer claims .Drivers with little experience tend to be careless and easily distracted when driving so they pay higher auto insurance rates.
  • Drive lots and pay more – The higher the mileage driven in a year’s time the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage partially by how you use the vehicle. Autos that are left in the garage cost less to insure than cars that get driven a lot. An incorrectly rated Lumina Minivan is just wasting money. Make sure your auto insurance coverage shows the correct usage, because improper ratings can cost you money.
  • Lower stress equals lower prices – Did you know your career choice can influence rates? Occupations such as lawyersair traffic controllers and emergency personnel generally pay higher average rates due to job stress and lots of time spent away from family. On the other hand, occupations like professors, engineers and performers get better rates for Lumina Minivan insurance.
  • Theft deterrents save – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

How to get car insurance rate quotes

There are multiple methods you can shop for car insurance and some are less labor-intensive and much quicker. You could waste time discussing policy coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Most major companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company can give them a price for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To compare pricing click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose the insurers to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we have a page of car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you are using nearly identical coverages for each price quote. If each company quotes higher or lower deductibles you will not be able to decipher which rate is best.

Don’t miss with these discounts

Some insurers don’t list every discount they offer very clearly, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using when you buy insurance coverage online.

  • Passive Restraints – Vehicles equipped with air bags can get savings of 20% or more.
  • Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Lumina Minivan insurance with a few insurance companies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Savings for New Vehicles – Buying a new car model can save you some money because newer vehicles have to meet stringent safety requirements.
  • Senior Discount – Seniors are able to get a slight reduction on a insurance coverage quote for Lumina Minivan insurance.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save a little off the PIP or medical payment premium.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

A list of insurance companies and their possible discounts are:

  • American Family offers premium reductions for multi-vehicle, air bags, accident-free, Steer into Savings, early bird, and good driver.
  • State Farm offers discounts including multiple policy, anti-theft, multiple autos, accident-free, good student, and Steer Clear safe driver discount.
  • 21st Century may have discounts that include early bird, student driver, defensive driver, theft prevention, and good student.
  • Travelers may offer discounts for new car, IntelliDrive, multi-car, multi-policy, and good student.
  • Geico offers discounts for five-year accident-free, federal employee, multi-vehicle, daytime running lights, military active duty, anti-lock brakes, and seat belt use.

Before buying, ask each insurance company which discounts they offer. Savings might not apply in your area. To see providers that have a full spectrum of discounts, follow this link.

Your situation helps dictate your coverage

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether or not you might need professional guidance.

  • What is roadside assistance coverage?
  • Is a fancy paint job covered?
  • Is rental equipment covered for theft or damage?
  • Does my personal policy cover me when driving out-of-state?
  • Why is insurance for a teen driver so high?
  • Why do I only qualify for high-risk insurance?
  • Which is better, split liability limits or combined limits?
  • Where can I find high-risk insurance?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Coverage for collisions

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

Collision insurance covers claims like hitting a parking meter, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like repair bills for other people’s vehicles, pain and suffering, medical services and loss of income. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

This pays for 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 such as a broken windshield, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Lumina Minivan.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

In conclusion

We just covered a lot of techniques to shop for 1991 Chevy Lumina Minivan insurance online. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates come from an unexpected company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

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