1990 Chevrolet Lumina Car Insurance Rates – 10 Tips for Best Quotes

Are you a victim of an underperforming, overpriced insurance policy? Trust us, there are many people just like you.

Drivers have so many insurance companies to choose from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Although car owners must understand how the larger insurance companies determine prices and apply this information to your search.

How to reduce 1990 Chevy Lumina insurance rates

Auto insurance companies do not list every discount very well, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy can get a discount on all vehicles.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Lumina insurance depending on your company.
  • Distant Student – Children living away from home attending college and don’t have a car may qualify for this discount.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Passive Restraints – Vehicles with factory air bags can get savings of more than 20%.
  • Organization Discounts – Participating in a civic or occupational organization could qualify you for a break on insurance coverage on Lumina insurance.
  • Low Mileage – Fewer annual miles on your Chevy could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine if you may require specific advice.

  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?
  • How high should deductibles be on a 1990 Chevy Lumina?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my car insurance cover rental cars?
  • Do I pay less for low miles?
  • Am I covered when driving someone else’s vehicle?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Learn about auto insurance coverages for a Chevy Lumina

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from flooding, hail damage and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as attorney fees, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage covers damage to your Lumina caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1990 Chevy Lumina.

Since a lot of drivers only purchase the least amount of liability that is required, 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for nursing services, EMT expenses, hospital visits, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan 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 can be used in place of medical payments coverage

Be a money saver!

Cheaper 1990 Chevy Lumina insurance is possible online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just covered a lot of information how to shop for insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Other learning opportunities