Compare 1996 Chevrolet Lumina Minivan Car Insurance Cost

Searching for better insurance prices for a new or used Chevy Lumina Minivan could be a painful process, but you can use a few tricks to find lower rates. There is a better way to find insurance coverage online so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and locate the lowest price from local insurance agents and online providers.

It’s a good idea to take a look at other company’s rates quite often because insurance rates change regularly. Just because you had the lowest rates on Lumina Minivan coverage six months ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest and easiest way to find great coverage at a great price.

If you have a policy now or need new coverage, you can use this information to find better prices and still get good coverage. Finding the best auto insurance coverage is easy if you know what you’re doing. Drivers just need to know the best way to shop online.

How to Buy Auto Insurance Online

Shopping for lower auto insurance rates can be challenging if you don’t understand the easiest way. You could spend your day talking about coverages with agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests for every auto insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which providers you want to price. So if you want to select specific insurance companies to compare, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples deductibles and coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it’s impossible to make a fair comparison for your Chevy Lumina Minivan.

Discounts can save BIG

Companies offering auto insurance don’t necessarily list every discount very well, so we break down both well-publicized as well as the least known auto insurance savings. If you don’t get every credit available, you are paying more than you should be.

Student Driver Training – Have your child take driver’s ed class in school.
Student in College – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Drive Less and Save – Fewer annual miles on your Chevy can qualify you for a substantially lower rate.
Paperwork-free – Some insurance companies will give a small break simply for signing over the internet.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

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

Will just any policy work for me?

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

What if I don’t agree with a claim settlement offer?
Does insurance cover damages from a DUI accident?
Is my 1996 Chevy Lumina Minivan covered for flood damage?
Am I covered if I hit my neighbor’s mailbox?
Should I buy more coverage than the required minimum liability coverage?
Does my insurance cover my expensive audio equipment?
Does my insurance cover a custom paint job?
Is my ex-spouse still covered by my policy?
Who is covered by my policy?
Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverages for a Chevy Lumina Minivan

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your Lumina Minivan resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance will cover 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 might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as structural damage, loss of income, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they 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.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for pain medications, X-ray expenses, EMT expenses and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible