i'm having serious wear on insides of both rear tires,how can i correct this?

Dear cabman-- It sounds like you have a serious, but very curable alignment problem with your 1995 Chevrolet Lumina. Take it to an alignment specialist. They can get your tires pointing and leaning according to specs and also will advise you if there are any other problems they see contributing to that irregular tire wear. Good luck from Bovan.