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Chevrolet Lumina Insurance Rates

You have lots of choices when comparing insurance rates on your Chevrolet vehicle. You can either buy through an insurance agent or price shop online to compare rates from lots of different providers. Buying auto insurance through online providers is simple to do and at the same time you may find lower rates.

Shopping online for auto insurance is challenging if you have never used online rate quotes. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance is surprisingly easy. Consumers just need to spend a few minutes to compare quotes online with multiple companies. This can be accomplished by comparing rates here.

What influences the rate you pay?

Insurance premiums for your Chevrolet Lumina will vary greatly subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Your accident history
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Whether you are married
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Chevrolet models so the payout to repair will push premiums up. Although newer vehicles have more advanced features included like traction control, pedestrian detection, autonomous braking, and adaptive headlights so those may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Lumina from available model years below.

Liability auto insurance - Lumina liability coverage can cover damages or injuries you inflict on other's property or people in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverages - Collision insurance covers damage to your Chevrolet resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper Lumina insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Chevrolet Lumina Insurance Rates?