1999 Chevrolet Lumina Insurance Cost – 6 Tips to Save

Searching for cheaper car insurance rates for your Chevrolet Lumina? Locating cheaper insurance for your Chevy Lumina can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to quote coverages for a new or used Chevy and find the cheapest rates.

Consumers should take time to shop coverage around once or twice a year because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price on Lumina coverage six months ago you can probably find a better price now. You can find a lot of wrong information about car insurance on the web, but with this article, you’re going to get some tested techniques to find affordable car insurance.

If you have insurance now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. Shopping for the lowest cost car insurance coverage is quite easy. Drivers just need to learn the tricks to buy car insurance online.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always publicize all available discounts very well, so the following is a list of some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Accident Waiver – A few companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

For a list of insurance companies with the best auto insurance discounts, click here.

Insurance agents can help

When choosing coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions might point out if you would benefit from an agent’s advice.

  • What vehicles should carry emergency assistance coverage?
  • Is my ex-spouse still covered by my policy?
  • What is the rate difference between pleasure use and commuting?
  • Do I need higher collision deductibles?
  • When do I need to add a new car to my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This coverage will pay to fix damage to your Lumina caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as EMT expenses, surgery and ambulance fees. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This will cover damage or injury you incur to people or other property 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 liability 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 a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, medical expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Don’t break the bank

Cheaper 1999 Chevy Lumina insurance is possible on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Drivers leave their current company for any number of reasons including high prices, extreme rates for teen drivers, delays in paying claims or even being labeled a high risk driver. Whatever your reason, finding a great new company can be easier than you think.

You just read many ways to save on insurance. The key concept to understand is the more you quote, the better your comparison will be. You may even find the best price on insurance coverage is with an unexpected company.

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