Lower Your 1999 Chevrolet Lumina Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with advertising and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates before your policy renews because rates are adjusted regularly by insurance companies. Even if you think you had the lowest price for Lumina insurance last year other companies may now be cheaper. So just block out anything you think you know about auto insurance because it’s time to teach you one of the quickest ways to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. Although vehicle owners do need to understand the methods companies use to compete online.

The fastest way that we advise to compare car insurance company rates is to take advantage of the fact most insurance companies provide online access to provide you with free rate quotes. The one thing you need to do is provide a little information including your job, how you use your vehicles, the type of vehicles you drive, and whether you are single or married. That information is instantly sent to insurance carriers in your area and you will get price comparisons within a short period of time.

To compare rates now, click here and find out if you can get cheaper insurance.

Are you getting all your discounts?

Car insurance companies don’t list all available discounts very clearly, so we break down some of the more common and the harder-to-find discounts you could be receiving.

  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance for Lumina insurance.
  • Accident Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

Keep in mind that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of providers offering auto insurance discounts, click here to view.

Chevy Lumina insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • More people means more accidents – Being located in small towns and rural areas has it’s advantages when buying insurance coverage. Less people living in that area means fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations like doctors, social workers and financial analysts are shown to have higher average rates because of high stress and lengthy work days. Conversely, jobs such as farmers, engineers and performers pay the least for Lumina insurance.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause accidents at about the same rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Multiple policies with one company can save – Most insurance coverage companies will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to shop around to make sure you are getting the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Chevy Lumina scored better than four stars on Safercar.gov you may qualify for a discount.
  • Do you know you’re credit rating? – Credit rating is a large factor in calculating your insurance coverage rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings. So if your credit score can use some improvement, you could save money insuring your 1999 Chevrolet Lumina by improving your rating.
  • Policy add-ons can waste money – There are many add-on coverages you can purchase on your insurance coverage policy. Things like rental car reimbursement, better glass coverage and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them remove them from your policy.

When might I need an agent?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • What is roadside assistance coverage?
  • Can I afford low physical damage deductibles?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by auto insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as chiropractic care, nursing services, pain medications, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision insurance

Collision coverage covers damage to your Lumina resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, vandalism, falling objects and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as medical expenses, emergency aid, loss of income and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Don’t break the bank

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible for the lowest price.

Budget-conscious 1999 Chevy Lumina insurance is possible both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.

Additional insurance coverage information can be read at these links: