1990 Chevrolet Lumina Insurance Rates

Are you a victim of an overpriced insurance coverage policy? Trust us, many consumers feel financially strained by their insurance coverage policy.

You have multiple car insurance companies to pick from, and though it is a good thing to have multiple companies, it makes it harder to compare rates and find the lowest cost insurance coverage.

The method we recommend to compare insurance rates from multiple companies is to know the fact most of the larger companies allow for online access to compare their rates. All you need to do is give them rating details such as whether your vehicle is owned or leased, any included safety features, your general credit rating, and what your job is. The data gets transmitted to many of the top insurers and they return rate quotes instantly.

How to save on 1990 Chevy Lumina insurance

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

• Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
• New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
• 55 and Retired – Mature drivers may qualify for better insurance coverage rates on Lumina coverage.
• Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing over the internet.
• Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance coverage on Lumina coverage.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of providers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you would benefit from an agent’s advice.

• When does my teenage driver need to be added to my policy?
• Does my policy cover my teen driver if they drive my company car?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I rent a car in Mexico?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1990 Chevy Lumina.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like pain and suffering, attorney fees and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Lumina from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, funeral costs, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay