1995 Chevrolet Lumina Minivan Insurance Quotes

Baffled by the crazy number of insurance coverage choices that you can choose from? Drivers have so many choices to choose from that it can easily turn into a lot of work to locate the lowest premium rates.

How your Lumina Minivan insurance prices are determined

Multiple criteria are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but other criteria are not quite as obvious such as your credit history or your commute time.

• Little extras can really add up – There are many extra add-on coverages that you can get tricked into buying on your insurance policy. Insurance for coverage for rental cars, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
• Higher premiums for specific employers – Did you know your job can affect your rates? Careers such as fire fighters, executives and accountants generally have higher rates than the rest of us because of job stress and lengthy work days. Other jobs such as farmers, historians and the unemployed receive lower rates for Lumina Minivan insurance.
• What are your physical damage deductibles? – Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Some examples of covered claims are a broken side mirror, hail damage, and windstorm damage. The deductibles tell how much you are willing to pay if a covered claim is submitted. The more expense the insured has to pay upfront, the lower your rates will be for Lumina Minivan insurance.
• The higher your credit rating the lower your rates – An insured’s credit score factor in determining what you pay for insurance. If your credit history leaves room for improvement, you could be paying less to insure your 1995 Chevrolet Lumina Minivan if you improve your credit rating. People that have high credit ratings tend to be better risks to insure than drivers who have worse credit.
• Multi-policy discounts can save money – Most larger insurance companies will give better rates to insureds who consolidate policies with them in the form of a multi-policy discount. Discounts can add up to 10 percent or more. Even if you qualify for this discount already, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates. You may still save even more than the discount by buying insurance from a different company.
• Safer cars means cheaper premiums – Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and reduced instances of injuries means less claims paid which can result in lower premiums.
• Lower premiums with alarms and GPS tracking – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
• Good drivers have lower costs – Only having one speeding ticket or other violation can bump up the cost substantially. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten serious citations like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.

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Get affordable insurance coverage rates with discounts

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the list below gives a summary of both the well known and the more hidden discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.

• Discounts for Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Student Discounts – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally until age 25.
• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison to accident-prone drivers.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Professional Memberships – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next insurance coverage statement.
• Online Discount – Many companies will discount your bill up to fifty bucks for buying your policy on your computer.
• Responsible Driver Discount – Insureds without accidents can pay as much as 50% less for Lumina Minivan insurance than drivers with accident claims.
• Senior Citizen Rates – Drivers that qualify as senior citizens could receive lower premium rates for Lumina Minivan insurance.

Discounts save money, but please remember that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, that’s just not realistic.

Popular insurance coverage companies and a summarized list of policyholder discounts are outlined below.

• The Hartford may include discounts for good student, bundle, defensive driver, anti-theft, driver training, and vehicle fuel type.
• American Family includes discounts for air bags, early bird, Steer into Savings, good driver, mySafetyValet, and good student.
• Progressive has discounts for multi-vehicle, online quote discount, multi-policy, online signing, and good student.
• Travelers offers discounts for driver training, save driver, new car, IntelliDrive, payment discounts, and early quote.
• Farmers Insurance offers discounts including distant student, youthful driver, electronic funds transfer, homeowner, bundle discounts, pay in full, and alternative fuel.
• USAA discounts include family discount, good student, defensive driver, annual mileage, and military installation.
• Liberty Mutual may offer discounts for new move discount, new graduate, hybrid vehicle, safety features, and newly married.

When getting free insurance quotes, it’s a good idea to every company which discounts can lower your rates. Some credits may not apply to policies in your area. If you would like to see a list of insurance coverage companies that offer the discounts shown above, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Am I covered if I break a side mirror?
• When should I not file a claim?
• Do I pay less if my vehicle is kept in my garage?
• What can I do if my company denied a claim?
• Is there coverage for injuries to my pets?
• Am I covered when using my vehicle for business?
• How does medical payments coverage work?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1995 Chevy Lumina Minivan.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, a broken windshield, fire damage and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for ambulance fees, nursing services and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. It does not cover 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 limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, medical expenses, medical services and structural damage. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

Lower-priced 1995 Chevy Lumina Minivan insurance can be bought both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide rate quotes online and usually these small, regional companies prefer to sell through independent insurance agents.

Drivers switch companies for any number of reasons including denial of a claim, policy non-renewal, lack of trust in their agent or delays in paying claims. It doesn’t matter what your reason, finding a great new company is easier than you think.

You just read many ways to shop for 1995 Chevy Lumina Minivan insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the biggest savings come from a small local company.

Other resources

• Electronic Stability Control FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Older Driver Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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