1993 Chevrolet Lumina Minivan Insurance Quotes

Searching for lower priced auto insurance on the web might appear impossible for people new to comparing rates and buying auto insurance online. When there are so many companies in the marketplace, how can anyone effectively compare every possible option in order to find cheaper auto insurance prices?

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Locating the lowest cost insurance coverage coverage is easy if you know what you’re doing. But car owners need to have an understanding of the way companies sell online and apply this information to your search.

Finding auto insurance

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You could spend your day driving to agents in your area, or you could save time and use the internet to achieve your goal.

Many of the larger companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company can give them a price based on the submitted data. This eliminates the need for form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to using this type of system is that you can’t choose which providers to receive prices from. If you prefer to choose specific providers to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the exact same deductibles and coverage limits for every company. If you use different coverage information it’s impossible to get a fair rate comparison. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, quoting more helps increase your odds of locating the best price.

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Eight things that influence your insurance premiums

When buying insurance coverage it’s important to understand some of the things that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that may reward you with much lower annual insurance costs.

The factors shown below are a few of the things used by companies to determine rates.

• High credit scores save money – A driver’s credit history can be an important factor in determining what you pay for insurance coverage. So if your credit is lower than you’d like, you could be paying less to insure your 1993 Chevrolet Lumina Minivan if you clean up your credit. Insureds with excellent credit scores tend to be better risks to insure as compared to drivers with lower ratings.
• Proper usage rating affects premiums – The higher the miles on your Chevy in a year the higher your rate. The majority of insurers charge rates based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. An incorrectly rated Lumina Minivan may be wasting your money. Double check that your insurance coverage policy reflects the correct usage.
• Eliminate unneeded extra policy coverages – Policies have extra bells and whistles that you can buy on your Lumina Minivan policy. Insurance for rental car reimbursement, better glass coverage, and membership fees may be costing you every month. They may seem good when deciding what coverages you need, but if they’re wasting money eliminate the coverages to reduce your premium.
• A insurance coverage lapse can increase rates – Not having insurance can get you a ticket and insurance coverage companies will penalize you for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
• Liability insurance preserves assets – A critical coverage on your policy, liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Low comp and collision deductibles cost more – Comp and collision deductibles tell how much you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be collision with another vehicle, animal collisions, and damage from wind. The larger the amount you have to pay, the less money you will pay for insurance coverage on Lumina Minivan coverage.
• Reserve insurance claims for larger damages – If you frequently file small claims, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies generally give better rates to insureds that do not abuse their auto insurance. Insurance coverage is intended for larger claims.
• Teenagers vs. mature drivers – Teen drivers are statistically proven to be less responsible with other occupants in the car and because of this, their insurance coverage rates are much higher. Older people are more responsible, tend to file fewer claims , and are generally more financially stable.

Affordable insurance coverage rates with discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Most are applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

• First Accident Forgiveness – Not necessarily a discount, but certain companies will forgive one accident without raising rates if your claims history is clear for a specific time period.
• Accident Free – Insureds with no claims or accidents get the best insurance coverage rates compared to insureds who have frequent claims or accidents.
• Braking Control Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Low Miles Discount – Maintaining low annual mileage could earn discounted premium rates on garaged vehicles.
• Active Military Service – Being deployed with a military unit may lower your rates slightly.
• Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Lumina Minivan coverage with certain companies.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount should definitely cut your policy premiums.

To find insurance companies that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you would benefit from professional advice.

• Can my teen drive my company car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does coverage extend to my business vehicle?
• When should I buy a commercial auto policy?
• What companies insure drivers after a DUI or DWI?
• Why do I need rental car insurance?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

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Specific coverages for a 1993 Chevy Lumina Minivan

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverages – This pays for damage to your Lumina Minivan resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability – This coverage can cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, bail bonds, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for EMT expenses, prosthetic devices, chiropractic care, funeral costs and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, rock chips in glass and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Have the Midas touch

A few companies may not offer the ability to get quotes online and these regional insurance providers work with independent agents. More affordable car insurance is attainable online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Throughout this article, we presented some good ideas how you can get a better price on 1993 Chevy Lumina Minivan insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a small local company.

While you’re price shopping online, do not buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Additional resources

• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)

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