2000 Chevrolet Lumina Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy. Companies like Geico, Progressive and Allstate constantly blast consumers with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

If you are insured now or are looking for a new policy, you can use these techniques to get lower rates while maintaining coverages. Buying car insurance is not that difficult. Vehicle owners only need to know how to shop for insurance coverage over the internet.

Chevy Lumina premiums are determined by many factors

Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Protect yourself with liability coverage – The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Pleasure use or commuting – Driving more miles in a year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your insurance coverage properly reflects the proper vehicle usage, because it can save money. Incorrect usage on your Lumina may be wasting your money.

Car Insurance Quote Comparison

Finding cheaper 2000 Chevy Lumina car insurance prices is actually quite simple. Consumers just need to invest a few minutes comparing rates from different insurance companies. This can be done in several different ways.

  • The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This form eliminates the need for repetitive form submissions for every car insurance company. Filling out one form will return price quotes from all major companies.
  • A slightly less efficient method to find lower rates requires you to visit the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want rates from Geico, Esurance and Travelers. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits for each price quote. If you use different values for each quote it will be next to impossible to decipher which rate is best.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads for car insurance savings by 21st Century, Allstate and State Farm. They all have a common claim about savings if you move to their company.

How does each company claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t meet the requirements will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do. That is why you need to get quotes from several different companies. You cannot predict which auto insurance company will give you the biggest savings on Chevy Lumina insurance.

Don’t miss these discounts

Auto insurance companies don’t always advertise every discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for Lumina insurance than drivers with accidents.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • No Accidents – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Memberships – Affiliation with a qualifying organization may earn a discount on auto insurance for Lumina insurance.
  • Senior Citizens – Mature drivers may be able to get reduced rates for Lumina insurance.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous.

To see a list of providers with discount auto insurance rates, click here to view.

When might I need help?

When choosing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How much can I save by bundling my policies?
  • Can I rent a car in Mexico?
  • Is my teen driver covered when they drive my company car?
  • How can I force my company to pay a claim?
  • Does my insurance cover my expensive audio equipment?
  • Where can I find DUI or SR-22 insurance?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills such as dental work, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability

This protects you from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover 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. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Lumina.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This coverage pays for damage to your Lumina from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a parking meter, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Final considerations

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability coverage limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

You just read some good ideas how you can compare 2000 Chevy Lumina insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with the smaller companies. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

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