How Much Does 1996 Chevrolet Lumina Insurance Cost?

Buyers have many options when searching for the best price on Chevy Lumina insurance. You can either spend your time driving around getting price quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the absolute fastest way to get price quotes for a Chevy and obtain the lowest possible price.

This article will help educate you on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Drivers only need an understanding of the tricks to get comparison quotes online.

How to buy insurance

Many insurance companies like State Farm, Geico and Progressive give prices for coverage on their websites. Comparing rates online is easy for anyone as all you need to do is type in as requested by the quote form. Behind the scenes, the company’s rating system will order credit information and your driving record and gives you a price quote based on the information you submitted.

Online quotes makes it simple to compare prices but the work required to visit multiple sites and type in the same information is a waste of time. But it is imperative to do this in order to get better prices.

The quickest way to compare insurance pricing uses one form that gets prices from many companies. It’s a real time-saver, requires less work, and makes quoting online much more efficient. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To get comparison pricing now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you input the limits and deductibles identical to your current policy. This makes sure you will have rate comparison quotes based on similar coverages.

Car insurance ads bend the truth

Drivers can’t ignore all the ads for cheaper car insurance by State Farm, Geico and Progressive. All the ads state the claim that you’ll save big after switching to their company.

Is it even possible that every company can charge you less for auto insurance? It’s all in the numbers.

Most companies look for specific characteristics for the type of driver that will most likely be profitable. One example of a desirable risk might be a mature driver, has no tickets, and does not commute to work. A customer who fits that profile receives the best auto insurance rates and will most likely cut their rates substantially.

Consumers who may not quite match this stringent profile will probably have to pay a more expensive rate which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save that much money. That’s why companies can make claims like that.

Because every company is different, you really should get insurance coverage quotes from several different companies. You cannot predict which company will have the best auto insurance rates.

These discounts can lower your insurance quotes

Not too many consumers would say insurance is affordable, but there are discounts available that can dramatically reduce your bill. Certain discounts will be applied when you get a quote, but a few need to be specially asked for prior to receiving the credit.

  • No Claim Discounts – Drivers who don’t have accidents get the best insurance rates when compared with insureds who have frequent claims or accidents.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Renewal Discounts – A few companies allow discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Good Students Pay Less – Being a good student may save you up to 25%. The discount lasts up to age 25.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
  • Military Deployment Discount – Having an actively deployed family member could mean lower prices.
  • Home Ownership Discount – Just owning your own home can save you money because of the fact that having a home demonstrates responsibility.

Discounts lower rates, but most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

To see a list of insurance companies with the best insurance discounts, follow this link.

Different people need different auto insurance coverages

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover if you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • What if I total my 1996 Chevy Lumina and owe more than it’s worth?
  • Am I missing any policy discounts?
  • Is there coverage for injuries to my pets?
  • When does my teenage driver need to be added to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • How high should deductibles be on a 1996 Chevy Lumina?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Lumina.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, falling objects, vandalism, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, EMT expenses, doctor visits, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, medical expenses, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Affordable insurance is out there

Cheaper 1996 Chevy Lumina insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not have online quoting and many times these regional insurance providers provide coverage only through independent agents.

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

Consumers leave their current company for many reasons like questionable increases in premium, lack of trust in their agent, poor customer service and high prices. It doesn’t matter what your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

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