1997 Chevrolet Lumina Car Insurance Cost – 7 Discounts for Cheapest Prices

Looking for cheaper insurance rates for your Chevrolet Lumina? Nobody I know enjoys paying for insurance, especially knowing their premiums are too high.

Popular companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to cut costs considerably using these techniques. Buying car insurance is quite easy. But consumers should learn the way companies price online insurance.

The most recommended method to compare rate quotes is to realize most of the bigger providers pay for the opportunity to give rate comparisons. To begin a comparison, all you need to do is provide a little information like if you have an active license, your occupation, your general credit rating, and if it has an anti-theft system. That rating information is instantly submitted to multiple top-rated companies and you will receive price estimates quickly.

To find the cheapest Chevy Lumina insurance rates, click here and enter the information requested.

Insurance coverage ads bend the truth

Insurance coverage providers like State Farm, Allstate and Geico consistently run television and radio advertisements. They all say the same thing that you’ll save big if you change to them. How can each company say the same thing? This is how they do it.

All companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and has excellent credit. Any new insured that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.

Drivers who do not match the requirements will have to pay higher rates and this can result in business not being written. The ads state “customers who switch” not “people who quote” save money. That’s the way insurance companies can confidently make the claims of big savings. Because of the profiling, you absolutely need to get as many quotes as possible. It’s not possible to predict which company will have the lowest Chevy Lumina insurance rates.

Save on Chevy Lumina insurance

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Accident Free – Claim-free drivers can earn big discounts when compared with bad drivers.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Lumina insurance.
  • Distant Student – Children who live away from home and do not have a car may be able to be covered for less.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on your policy on Lumina insurance.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

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

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply everywhere.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if you could use an agent’s help.

  • Is my teenager covered with friends in the car?
  • Am I covered if I hit a deer?
  • When do I need to add a new car to my policy?
  • Can I afford low physical damage deductibles?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but a few of them apply then you might want to talk 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.

Insurance coverage considerations

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1997 Chevy Lumina.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a bird, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, doctor visits, ambulance fees, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover 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

Collision coverages – Collision insurance will pay to fix damage to your Lumina from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability – Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

More quotes. Lower rates.

When shopping online for insurance, never reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just presented some good ideas how to compare 1997 Chevy Lumina insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like Allstate, Geico and Progressive.

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