Cheaper 1999 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: May 12, 2022

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Confused by the sheer number of insurance coverage companies? Many other consumers are too. Drivers have so many companies to choose from that it can quickly become a real challenge to find better rates.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. Pricing the cheapest coverage is quite easy. But consumers need to learn how the larger insurance companies market insurance on the web and use this information to your advantage.

Take discounts and save

Companies do not advertise all available discounts very well, so here is a list some of the best known as well as the least known savings tricks you should be using.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Save over 55 – Mature drivers may receive reduced rates for Lumina coverage.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount when buying car insurance for Lumina coverage.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Lumina coverage than their less cautious counterparts.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Accident Free – Drivers who don’t have accidents pay less when compared to bad drivers.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck.

Companies that may offer these money-saving discounts include:

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

Comparison of Auto Insurance

Effectively comparing auto insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get prices fast.

Many of the larger companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company provides a quote based on that data. This prevents consumers from doing quote forms for each company.

To find out how much you can save on auto insurance click to open in new window.

The only downside to getting quotes like this is you cannot specify which insurance companies to get quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use the exact same quote information for every company. If you have different limits and deductibles on each one it’s impossible to find the best deal for your Chevy Lumina. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that comparing more company’s prices will improve the odds of getting the best rates.

Which policy gives me the best coverage?

When it comes to choosing coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions could help you determine whether you may require specific advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I crash into my own garage door?
  • Why is insurance for a teen driver so high?
  • When can my company non-renew my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should I not file a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as bail bonds, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Lumina from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like ambulance fees, nursing services, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Lumina.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more. Save more.

When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured cut liability limits or collision coverage only to regret that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including high prices, delays in responding to claim requests, policy cancellation and even lack of trust in their agent. No matter why you want to switch, switching companies is less work than it seems.

The cheapest 1999 Chevy Lumina insurance can be purchased both online and with local insurance agents, so compare prices from both to have the best rate selection. A few companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Additional car insurance information is located at the links below

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