1990 Chevrolet Lumina Insurance Quotes – 8 Tips for Cheaper Rates

Having to pay for expensive Chevrolet Lumina insurance can draw down your bank account and force you to make sacrifices.

Companies like Allstate and Progressive persitently shower you with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you currently have car insurance, you will most likely be able to save some money using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers should learn how insurance companies price insurance differently and apply this information to your search.

First Step: Get free auto insurance quotes

To find the best auto insurance prices, there are several ways to compare prices from different insurance companies. The best way to find affordable Chevy Lumina insurance rates is to jump online and get quotes. This can be done in several different ways.

• Hands down the most simple method to find low rates is a comparison rater form click to view form in new window. This type of form prevents you from having to do a different quote for each price estimate. Taking the time to complete one form gets insurance cost estimates from many national carriers.
• A different way to find better pricing requires a trip to the website for each individual company and fill out their own quote form. For example, let’s say you are doing a rate comparison from USAA, Allstate and Liberty Mutual. You would need to go to each individual site to input your insurance information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just do your best to use apples-to-apples coverage limits for each price quote. If the quotes have unequal deductibles or liability limits you will not be able to get a fair rate comparison. Having just a slight variation in coverages could throw off the whole comparison. Keep in mind that having more price comparisons helps increase your odds of locating better pricing. Not every company allows you to get rate quotes online, so you need to compare quotes on coverage from those companies, too.

You may qualify for discounts

Car insurance companies don’t list every discount they offer very well, so the list below gives a summary of a few of the more well known as well as the least known credits available to you.

• Defensive Driver – Taking part in a class that teaches driver safety techniques is a good idea and can lower rates and also improve your driving technique.
• Student Driver Training – Have your child take driver’s ed class if offered at their school.
• Federal Government Employee – Federal government employees could provide a small rate reduction on Lumina insurance with some insurance coverage companies.
• Discount for Home Ownership – Owning your own home or condo can save a few bucks since home ownership shows financial diligence.
• No Claims – Drivers who stay claim-free get the best insurance coverage rates in comparison to frequent claim filers.
• Multi-car Discount – Drivers who insure primary and secondary vehicles with one company can get a discount on all vehicles.
• Senior Citizen Discount – If you qualify as a senior citizen, you can get lower premium rates on Lumina insurance.
• Distant Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, you’re out of luck. Any amount of discount will help lower the premium cost.

Larger insurance coverage companies and a partial list of their discounts are included below.

• State Farm discounts include anti-theft, safe vehicle, Steer Clear safe driver discount, good student, defensive driving training, good driver, and multiple policy.
• Nationwide includes discounts for Farm Bureau membership, accident-free, family plan, anti-theft, and multi-policy.
• Geico has savings for defensive driver, membership and employees, air bags, daytime running lights, military active duty, multi-policy, and emergency military deployment.
• AAA offers premium reductions for multi-car, anti-theft, AAA membership discount, good student, education and occupation, and pay-in-full.
• 21st Century offers discounts for automatic seat belts, air bags, student driver, teen driver, driver training, good student, and homeowners.
• The Hartford may have discounts that include driver training, air bag, bundle, good student, defensive driver, and vehicle fuel type.

If you want low cost car insurance quotes, ask all the companies the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. For a list of insurance companies with the best insurance coverage discounts, click this link.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight whether or not you may require specific advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need PIP (personal injury protection) coverage in my state?
• Is a fancy paint job covered?
• Should I bundle my homeowners policy with my auto?
• Are rental cars covered under my policy?
• Am I covered when delivering products for my home-based business?
• Is pleasure use cheaper than using my 1990 Chevy Lumina to commute?
• Does coverage extend to a rental car in a foreign country?
• Is business equipment covered while in my vehicle?
• What is the minimum liability in my state?

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 insurance companies in your area.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, hail damage, a broken windshield, damage from flooding and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision coverage covers damage to your Lumina resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like hospital visits, nursing services and funeral costs. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This provides protection from injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Lumina.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Get your money’s worth

Low-cost 1990 Chevy Lumina insurance is available on the web and from local agencies, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide rates over the internet and usually these small insurance companies provide coverage only through independent insurance agencies.

In this article, we covered some good ideas how you can reduce 1990 Chevy Lumina insurance rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Additional detailed information is available in these articles:

• Teen Driver Licensing Information (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Rental Reimbursement Coverage (Allstate)