1995 Chevrolet Lumina Minivan Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? It’s quite common and there are many people just like you.

Due to the fact that there are so many options when it comes to insurance, it can be impossible to locate the best insurance company.

You need to compare rates as often as possible because rates are rarely the same from one policy term to another. Even if you got the best premium rates for Lumina Minivan coverage a year ago you will most likely find a better price today. Forget all the misinformation about insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

The purpose of this post is to let you in on the best way to quote coverages. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Although vehicle owners should learn how companies market on the web and apply this information to your search.

The quickest method we recommend to compare rates is to realize most of the larger companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details including an estimate of your credit level, what your job is, any included safety features, and whether or not you need a SR-22. Your insurance information is then submitted to many different companies and they return cost estimate immediately.

Discounts can really help lower rates

Insurance can be prohibitively expensive, but you may be missing some discounts that you may not even be aware of. Some discounts will apply when you quote, but some must be asked for prior to getting the savings.

Theft Deterent System – Cars and trucks with anti-theft systems are stolen less frequently so companies will give you a small discount.
Renewal Discounts – A few insurance coverage companies allow discounts for switching policies prior to the expiration date on your current policy. You can save around 10% with this discount.
Low Miles Discount – Low annual miles could be rewarded with better prices on cars that stay parked.
Resident Student – College-age children who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
Responsible Drivers – Safe drivers can pay as much as 50% less for Lumina Minivan coverage than less cautious drivers.
Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Lumina Minivan coverage depending on your insurance coverage provider.
Claim Free – Claim-free drivers can save substantially in comparison to drivers who are more careless.
Driver Safety – Taking time to complete a defensive driver class could possibly earn you a 5% discount depending on where you live.
Driver’s Education for Students – Teen drivers should enroll and complete driver’s education as it can save substantially.
Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

Please keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

Larger insurance coverage companies and some of their more popular discounts are detailed below.

Esurance includes discounts for renters, online shopper, DriveSense, Pac-12 alumni, safety device, defensive driver, and good student.
The Hartford offers premium reductions for bundle, air bag, defensive driver, driver training, vehicle fuel type, and anti-theft.
AAA policyholders can earn discounts including pay-in-full, multi-car, good student, AAA membership discount, anti-theft, education and occupation, and multi-policy.
Geico has discounts for driver training, emergency military deployment, seat belt use, defensive driver, air bags, and five-year accident-free.
State Farm discounts include Drive Safe & Save, accident-free, good student, defensive driving training, and anti-theft.

When getting free car insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Some credits might not be offered on policies in every state. To see a list of providers who offer free insurance coverage quotes, click this link.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

Is rental equipment covered for theft or damage?
How can I get high-risk coverage after a DUI?
Do I have coverage when pulling a U-Haul trailer?
Does having multiple vehicles earn me a discount?
When would I need rental car insurance?
I have good health insurance, so how much medical payments coverage do I need?
Is my nanny covered when driving my vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions, you might consider talking 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

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for nursing services, EMT expenses and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage

This covers damage to your Lumina Minivan resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Liability

This provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, repair costs for stationary objects, medical expenses, court costs and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims like hail damage, falling objects, a tree branch falling on your vehicle and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.