1997 Chevrolet Lumina Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 14, 2021

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Trying to find the cheapest auto insurance rates for your Chevrolet Lumina? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

There are many car insurance companies to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

Chevy Lumina rates are complex

It’s important that you understand the different types of things that come into play when calculating your insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • More miles equals more premium – The higher the mileage driven each year the more you will pay for insurance. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage can get a lower rate than those used for commuting. If your policy improperly rates your Lumina can cost quite a bit. Make sure your insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase on your insurance policy. Coverages like rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Do you have enough liability coverage? – Liability coverage is the coverage that protects you if you are found liable for damages from an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to increase your insurance rates. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower deductibles cost more – Your deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Lumina insurance.

Policy discounts you shouldn’t miss

Companies don’t always advertise every available discount very clearly, so we researched some of the more common and the more hidden insurance savings.

  • Homeowners Discount – Owning a house may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Safety Course Discount – Completing a course in driver safety can save you 5% or more if your company offers it.

Drivers should understand that most of the big mark downs will not be given the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

A partial list of companies that possibly offer these money-saving discounts include:

  • Travelers
  • 21st Century
  • State Farm
  • GEICO
  • SAFECO
  • AAA

It’s a good idea to ask all companies you are considering how you can save money. Discounts may not be available in your area.

Insurance agents can help

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Will filing a claim cost me more?
  • When do I need to add a new car to my policy?
  • What is no-fault insurance?
  • Can I get a multi-policy discount?
  • How do I buy GAP insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when using my vehicle for business?
  • How much liability coverage do I need in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage on my 1997 Chevy Lumina?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses for hospital visits, EMT expenses, X-ray expenses, chiropractic care and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, fire damage and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Lumina.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, loss of income, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Save for a rainy day

Cheap 1997 Chevy Lumina insurance can be bought both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.

We just showed you some good ideas how you can save on insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

More tips and info about insurance coverage is available by following these links:

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