1994 Chevrolet Lumina Minivan Insurance Quotes – 7 Discounts for Cheaper Rates

Shoppers have a choice when shopping for the best price on Chevy Lumina Minivan insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to compare rates on a Chevy and find the lowest possible price.

If you have a policy now or need a new policy, you can use this information to get lower rates while maintaining coverages. The purpose of this post is to familiarize you with the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to learn how to shop their coverage around online.

Affordable car insurance price quotes

Getting cheaper 1994 Chevy Lumina Minivan car insurance pricing isn’t really that difficult. Drivers just need to take a couple of minutes to compare rate quotes from some recommended companies. It’s super easy and can be done using one of these methods.

Hands down the most simple method to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form prevents you from having to do separate quote forms for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple low-cost companies. It’s the fastest way to compare.

A less efficient way to find better pricing requires a visit to each company website and repeat the quote process. For example, we’ll pretend you want to compare rates from Liberty Mutual, Farmers and Travelers. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, which can be really labor intensive.

For a list of links to companies insuring cars in your area, click here.

The old school method to get rate quotes is calling or driving to all the different insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you’re the type of person who wants the peace of mind that only an agent can give. Drivers can price shop online but buy from a local insurance agent.

However you get your quotes, be sure you’re using exactly the same coverage limits for each price quote. If you are comparing different coverage information it’s impossible to make a fair comparison for your Chevy Lumina Minivan.

Will just any policy work for me?

When it comes to buying the best insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 1994 Chevy Lumina Minivan?
  • What is the difference between comprehensive and collision coverage?
  • If I drive on a suspended license am I covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance policy coverages for a 1994 Chevy Lumina Minivan

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Lumina Minivan.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability car insurance – This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, loss of income, medical services and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills like funeral costs, pain medications, dental work and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage covers damage to your Lumina Minivan resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, sideswiping another vehicle, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.