Save on 1996 Chevrolet Lumina Minivan Insurance Rates

Looking for the cheapest auto insurance rates for your Chevrolet Lumina Minivan? Tired of not being able to afford to buy auto insurance? You are no different than many other vehicle owners. Insurance companies such as State Farm, Allstate, Geico and Progressive promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

You need to do price comparisons occasionally since prices are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Lumina Minivan coverage a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

If you have a current car insurance policy or need a new policy, you can use this information to find better prices while maintaining coverages. Finding the best rates is not that difficult. Consumers only need to know the proper way to compare price quotes on the web.

How much does car insurance cost?

There are a variety of methods to compare car insurance prices and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many popular insurance companies take part in a program that enables customers to submit their information once, and each company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions for every car insurance company. To compare rates now click here to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which companies you want pricing from. So if you want to select individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.

However you get your quotes, ensure you are comparing the exact same coverage limits with every price quote. If your comparisons have different data it will be impossible to determine which rate is truly the best.

Auto insurance discounts help lower rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you get a quote, but a few must be specifically requested in order for you to get them.

  • Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Multiple Policy Discount – If you can bundle your home and auto insurance with the same company you will save nearly 15% which can help you find low cost insurance coverage.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 25 to 30%.
  • Organization Discounts – Belonging to a civic or occupational organization could earn you a nice discount on your bill.
  • Military Deployment Discount – Having a deployed family member can result in better premium rates.
  • Defensive Driver Discount – Taking part in a course teaching defensive driver skills could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Cautious Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Lumina Minivan coverage compared to accident prone drivers.
  • Anti-lock Brakes – Cars that have anti-lock braking systems are safer to drive and will save you 10% or more.
  • Driving Data Discount – Policyholders that allow companies to analyze their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as they are good drivers.

It’s important to note that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Popular auto insurance companies and the discounts they provide include:

  • Progressive offers discounts including online signing, multi-policy, multi-vehicle, homeowner, and good student.
  • Farmers Insurance policyholders can earn discounts including teen driver, multi-car, business and professional, mature driver, pay in full, switch companies, and distant student.
  • Farm Bureau includes discounts for good student, 55 and retired, renewal discount, multi-policy, and multi-vehicle.
  • State Farm discounts include defensive driving training, student away at school, anti-theft, good student, safe vehicle, and good driver.
  • Geico may offer discounts for five-year accident-free, defensive driver, air bags, driver training, and seat belt use.
  • SAFECO may have discounts that include anti-theft, multi-car, drive less, teen safety rewards, homeowner, accident prevention training, and anti-lock brakes.
  • Liberty Mutual offers discounts for good student, hybrid vehicle, newly married, newly retired, multi-car, and preferred payment discount.

If you want inexpensive insurance coverage quotes, ask each insurance company how you can save money. Savings may not apply to policies in your area. For a list of auto insurance companies that offer the discounts shown above, click this link.

Which is the best car insurance?

When buying the best car insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What discounts do I qualify for?
  • Why am I required to buy liability insurance?
  • Should I sign the liability waiver when renting a car?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability insurance is required?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, funeral costs and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Lumina Minivan.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Do the work, save more money

Some insurance providers don’t offer rates over the internet and these smaller providers work with local independent agencies. Lower-priced 1996 Chevy Lumina Minivan insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis.

We just presented a lot of ways to shop for 1996 Chevy Lumina Minivan insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier. Smaller companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm and Allstate.

Additional car insurance information is available on the following sites: