auto insurance
to meet your needs
TechNology + Experience
At our company, we combine technology and experience to offer cost effective protection for our clients. We use the latest tools and techniques to make the best decisions that result in competitive pricing and allow us to deliver a superior insurance product.
Feel secure knowing every drive is covered.
If you are involved in an accident
If your car is vandalized
If a tree falls on your car
If your car is stolen
If your car is broken down
Frequently Asked Questions
Car insurance, more specifically liability coverage, is required in every state that Lumen Select operates, so you’re financially protected if you’re responsible for injuries to another person or property damage. With additional coverages, your auto insurance can also help pay to repair or replace your vehicle. If you’re thinking about insurance costs, there are things you can do to get your rate lower without compromising on your coverage.
To get the most accurate car insurance quote, you need to provide:
The make, model, and year of your car
Accurate information about your driving history
Next, to purchase an auto policy, you’ll need your vehicle identification number (VIN) and driver’s license number.
Ready to get started? Get a car insurance quote from one of our independent agents, email info@lumenselect.com or call 1-888-453-1179. We’re here for you around the clock to help with questions, policy updates, and claims. Call, go to www.lumenselect.com, or use the Lumen Select app .
Your car insurance rate is determined by factors like age, location, driving record, vehicle type and usage, and more. Find out how much your car insurance costs by calling one of our independent agents in our operating states.
There are several factors that can impact your car insurance rate, including:
1. Age and gender: Younger drivers and male drivers tend to have higher insurance rates as they are statistically more likely to be involved in accidents.
2. Driving record: Your driving history, including any previous accidents, traffic violations, or claims, can affect your insurance rate. Drivers with a clean record typically pay lower premiums.
3. Location: The area where you live can impact your insurance rate. Urban areas with higher population densities and more traffic tend to have higher premium rates compared to rural areas.
4. Type of car: The make, model, and age of your vehicle can influence your insurance rate. Expensive or high-performance cars, as well as cars with a higher likelihood of theft, tend to have higher premiums.
5. Annual mileage: The more you drive, the higher the risk of being involved in an accident. Lumen Select may charge higher premiums for drivers with high annual mileage.
6. Credit history: Lumen Select considers your credit history as a factor in determining your insurance rate. A poor credit score can result in higher premiums.
7. Deductible amount: Your chosen deductible, which is the amount you agree to pay out of pocket before your insurance coverage kicks in, can affect your premium. Higher deductibles usually result in lower premiums, but you may have to pay more in the event of a claim.
8. Coverage limits: The level of coverage you choose, including liability limits, comprehensive, collision, and other optional coverages, can impact your insurance rate. Higher coverage limits typically lead to higher premiums.
9. Occupation: Lumen Select considers your occupation when determining your premium. Certain occupations may be associated with higher or lower risk, affecting your rate.
We offer the most competitive coverage at the most affordable price for our customers. In addition to value, we offer best-in-class claims service to give you peace of mind having your vehicles insured with Lumen Select.
Become An Agent
Interested in becoming an Agent for Lumen Select? Our process is as simple as 1, 2, 3
Start the Process