1994 Chevrolet Lumina Insurance Quotes – 10 Discounts for Cheaper Rates

Trying to find better car insurance rates for your Chevrolet Lumina? Searching for better insurance prices for a new or used Chevy Lumina can be difficult, but you can use the following methods to find lower rates. There is a better way to find car insurance online so we’re going to tell you the proper way to get price quotes on a Chevy and locate the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you have a current insurance policy or are shopping for new coverage, you can use these tips to get lower rates while maintaining coverages. Drivers only need an understanding of the proper way to compare rates over the internet.

The method we recommend to compare car insurance rates is to know most of the larger companies participate in online systems to quote your coverage. To get started, all you need to do is provide a little information like your credit rating estimate, level of coverage desired, whether you are single or married, and whether or not you need a SR-22. That rating information is automatically sent to insurance companies and you receive quotes instantly to find the best rate.

To find lower rates now, click here and complete the quick form.

Do insurance coverage companies bend the truth?

Drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all make the same claim of big savings if you move your policy.

How does each company say the same thing?

Different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a preferred risk could possibly be between 30 and 50, has no driving citations, and has excellent credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save a lot of money.

Drivers who don’t qualify for the requirements will be charged higher prices which leads to the customer not buying. The ads state “people who switch” not “people who quote” save that much. That’s the way insurance companies can make the claims of big savings. That is why you need to get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Companies offer discounts so take them!

Companies offering auto insurance do not advertise every discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Save over 55 – Mature drivers may be able to get reduced rates for Lumina insurance.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of more than 20%.
  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Lumina insurance than their less cautious counterparts.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Accident Free – Drivers who don’t have accidents pay less as compared to accident-prone drivers.

Drivers should understand that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Do I need roadside assistance coverage?
  • When would I need rental car insurance?
  • Do I need higher collision deductibles?
  • Is my dog or cat covered if injured in an accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I break a side mirror?
  • Should I have a commercial auto policy?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 1994 Chevy Lumina

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – This coverage pays for damage to your Lumina resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a broken windshield, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – Liability coverage will cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Lumina.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, nursing services and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

A fool and his money are soon parted

Cheap 1994 Chevy Lumina insurance can be purchased both online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests and questionable increases in premium. Whatever your reason, finding a new auto insurance company is not as difficult as it may seem.

You just read a lot of ways to get a better price on insurance. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even find the biggest savings come from the smaller companies.

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