Lower Your 1995 Chevrolet Lumina Car Insurance Quotes

Trying to find lower insurance coverage rates for your Chevrolet Lumina? Are you a victim of overpriced insurance coverage? Trust us when we tell you there are many people just like you.

Popular companies such as Geico, Farmers Insurance and State Farm persitently shower you with fancy advertisements and it is difficult to ignore the flashy ads and find the best price available.

It’s a good idea to compare rates at least once a year because insurance rates are variable and change quite frequently. Just because you had the lowest rates on Lumina coverage a couple years back you can probably find a better price now. So just ignore everything you know about insurance coverage because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Compare the Market for Car Insurance

There are several ways of comparing rate quotes from local car insurance companies. The easiest way to find competitive 1995 Chevy Lumina insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient way to get quotes is a comparison rater form click here to open form in new window. This form saves time by eliminating a different quote for each company. Completing one form will get you rate comparisons from several companies.
  2. A more difficult way to get comparison quotes requires visiting the website of each company to complete a price quote. For examples sake, we’ll pretend you want to compare rates from Allstate, Safeco and State Farm. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare exactly the same information with every price quote. If each company quotes mixed coverages it will be impossible to make a fair comparison for your Chevy Lumina. Having just a slight variation in coverage limits may cause a big price difference. And when quoting car insurance, remember that quoting more provides better odds of finding a better price.

Why your Chevy Lumina insurance rates may be high

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance. Having a good understanding of what determines base rates enables informed choices that could result in big savings.

Shown below are some of the items insurance companies consider when setting premiums.

  • Claim-free discounts can add up – If you file claims often, you can pretty much guarantee higher rates. Auto insurance companies award discounts to drivers who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • No coverage gaps is important – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. Not only will rates go up, getting caught without coverage will get you a steep fine or even jail time.
  • Pleasure use saves money – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your Lumina may be wasting your money.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage if you are found liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Your stress level may be raising your rates – Jobs such as doctors, social workers and stock brokers have the highest rates because of stressful work requirements and lengthy work days. On the other hand, professions such as actors, students and the unemployed get better rates on Lumina coverage.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
  • Your age impacts your rates – More mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Young drivers have a tendency to get distracted easily when driving and because of this, their insurance rates are much higher.

Take discounts and save

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but a few must be manually applied before you will receive the discount.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Lumina coverage.
  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Driver Safety – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount when shopping for auto insurance on Lumina coverage.

Drivers should understand that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

A partial list of companies who might offer these discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available everywhere.

Which policy gives me the best coverage?

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 1995 Chevy Lumina?
  • What is no-fault insurance?
  • Do I need more liability coverage?
  • I don’t drive much so do I pay less?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Collision insurance

This pays for damage to your Lumina caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, backing into a parked car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, loss of income, bail bonds, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, doctor visits, hospital visits, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Lumina.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, fire damage, falling objects, hitting a deer and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more. Save more.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate.

The cheapest 1995 Chevy Lumina insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these smaller companies sell through independent agents.

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