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Chevrolet Lumina Minivan Insurance Rates

Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you might just save a little. The most important part is getting as many rate quotes as possible so you can get the lowest priced insurance.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Getting better Lumina Minivan insurance cost can be quick and easy. Just take time to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Auto insurance rates for a Chevrolet Lumina Minivan can be significantly different depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Safety rating of your Lumina Minivan
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that helps determine Lumina Minivan insurance rates is the model year. New vehicles cost more in comparison to later models so the cost to replace them may end up costing you more. But newer models may have a trim level with safety features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance - This coverage protects you from damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your Chevrolet caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Lumina Minivan collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Chevrolet Lumina Minivan comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since 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.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Chevrolet Lumina Minivan Insurance Rates?