Guide to Buying Chevrolet Lumina APV Insurance for Less
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding good insurance for your Chevrolet Lumina APV probably leaves you feeling the same way.
Step One: Compare Rates from Multiple Companies
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Life has gotten easier!
You can compare insurance rates for a Chevrolet Lumina APV simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Use the Same Coverages! It's really important that when doing multiple quotes for your Lumina APV that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: How to Insure your Lumina APV for Less
What you actually pay to insure your Chevrolet is determined by many factors, some of which you have no control over.
- Particular years and models of cars tend to be frequently stolen, and if your Lumina APV is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
Step Three: Buy the Best Policy
Once you have compared identical rate quotes for your Lumina APV and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Lumina APV will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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