Lower Your 1999 Chevrolet Lumina Insurance Quotes

Want the cheapest car insurance rates for your Chevrolet Lumina? Trying to find the cheapest insurance for your Chevy Lumina can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for car insurance and you need to know the proper way to price shop coverage for a new or used Chevy and find the cheapest rates from local insurance agents and online providers.

You should take the time to price shop coverage before your policy renews because prices are variable and change quite frequently. If you had the lowest rates for Lumina coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best way to get good coverage at a lower rate.

Discounts can save BIG

Auto insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known auto insurance savings. If they aren’t giving you every credit possible, you are throwing money away.

  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • No Claims – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

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

The quickest way to compare policy rates is to understand car insurance companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is give them some information including how much you drive, the make and model of your vehicles, how much education you have, and if you have a valid license. Those rating factors is automatically sent to many of the top insurers and they return rate quotes very quickly.

What determines your Chevy Lumina insurance premium

It’s important that you understand the different types of things that come into play when calculating car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Having a spouse can save you money – Being married actually saves money when buying car insurance. Having a spouse is viewed as being more mature and it’s proven that married couples file fewer claims.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a fast way to bump up your car insurance costs. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Do you qualify for a multi-policy discount? – Most car insurance companies will award you with lower prices to people who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare rates to ensure the best deal.
  • Low deductibles can be expensive – Your deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be for Lumina coverage.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Bad driving skills means higher rates – Careful drivers get better rates compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Do you need those extra coverages? – There are a ton of additional coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them remove them from your policy.

Will just any policy work for me?

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when making deliveries for my home business?
  • Is my 1999 Chevy Lumina covered for smoke damage?
  • Who is covered when they drive my 1999 Chevy Lumina?
  • What is the rate difference between pleasure use and commuting?
  • When should I buy a commercial auto policy?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Can switching companies really save?

Consumers can’t get away from ads for car insurance savings by companies like Allstate, Geico and Progressive. They all make the same claim that you can save if you change to them.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the type of driver that makes them money. For instance, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and has a short commute. A customer who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who are not a match for the “perfect” profile will have to pay a higher premium and ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why companies can truthfully make the claims of big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. Because you never know which insurance company will give you the biggest savings on Chevy Lumina insurance.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision protection

This coverage pays for damage to your Lumina resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, pain medications and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a bird, damage from getting keyed, hail damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles, attorney fees, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Money doesn’t grow on trees

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, denial of a claim and even unfair underwriting practices. It doesn’t matter why you want to switch finding a new insurance coverage company is actually quite simple.

Budget-conscious 1999 Chevy Lumina insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered a lot of information how to lower your insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

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