Trying to find the cheapest car insurance rates for your Chevrolet Lumina? Price shopping your car insurance can be hard for drivers new to comparison shopping online. With so many insurance agents and insurers to choose from, it can quickly become a challenge to locate the lowest rates.
To get inexpensive auto insurance quotes, there a variety of ways to get quotes from many insurance companies in your state. The simplest method to compare Chevy Lumina insurance prices involves getting comparison quotes online. It’s really quite simple and can be done using a couple different methods.
It’s your choice how you get your quotes, but make darn sure you compare the exact same quote data for each price quote. If your comparisons have mixed coverages then you won’t be able to determine the lowest rate for your Chevy Lumina. Even a minor difference in limits may cause a big price difference. Just keep in mind that comparing all the rates in your area gives you a better chance of getting more affordable rates.
Some providers do not advertise the entire discount list in an easy-to-find place, so the list below gives a summary of a few of the more common and the more hidden discounts that you may qualify for.
Don’t be surprised that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will lower the amount you pay for coverage.
To see insurers that offer discounts, click here to view.
When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.
Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.
Having a good grasp of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, hitting a deer and vandalism. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto liability – Liability insurance can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
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 policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as attorney fees, medical services, legal defense fees, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Lumina.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.
Insurance for medical payments – Med pay and PIP coverage kick in for bills for EMT expenses, pain medications, funeral costs and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision – This coverage covers damage to your Lumina from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.