View 2000 Chevrolet Malibu Insurance Quotes

Buyers have options when searching for the best price on Chevy Malibu insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to make rate comparisons. There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and get the best price possible.

It’s a great practice to do price comparisons before your next renewal because rates tend to go up over time. Even if you got the best rate on Malibu coverage six months ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the best way to lower your annual insurance bill.

If you have a policy now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. This information will teach you how to get online quotes and some tips to save money. Consumers just need to know the most efficient way to compare company rates on the web.

The easiest way to compare rates is to take advantage of the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is give them rating details like marital status, whether or not you need a SR-22, your credit rating estimate, and whether your vehicle is owned or leased. The data is then submitted to multiple different insurance companies and they return cost estimate immediately.

If you would like to compare rates now, click here and find out if lower rates are available.

Insurance advertisements

Consumers get pounded daily by advertisements for insurance savings from companies such as State Farm, Allstate and Geico. They all advertise claims that people will save just by switching your insurance coverage to their company.

But how can every company charge you a lower premium? This is the trick they use.

Different companies look for specific characteristics for the type of insured that earns them a profit. One example of a profitable risk profile should be married and over the age of 30, carries full coverage, and drives less than 7,500 miles a year. Any person that hits that “sweet spot” will qualify for the lowest car insurance rates and have a good chance to save a lot of money.

Insureds who do not match these criteria must pay a higher rate which results in the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently make the claims of big savings. That is why you should compare rate quotes every year. It’s impossible to know which insurance companies will provide the lowest rates.

Save money with these tips

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that go into determining your policy premiums. If you know what determines base rates, this enables informed choices that could help you find lower premium levels.

The following are a partial list of the pieces used by insurance companies to determine your prices.

• Always keep your coverage in place – Having a gap between insurance policy dates will be a guaranteed way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance may earn you a steep fine or even jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Better premiums on safer vehicles – Cars with high safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
• Prevent your car from being stolen – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
• The more you drive the more you pay – The more you drive your Chevy in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your vehicle rating is rated on the correct driver usage. Improper usage on your Malibu can cost quite a bit.
• Are women or men drivers cheaper? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Men and women are in accidents in similar numbers, but males tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
• Traffic violations hurt – A bad driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets get better prices compared to drivers with tickets. Having a single chargable violation can bump up the cost forty percent or more. People who have dangerous violations like DUI or willful reckless driving may find they need to prove financial responsibility with their state in order to keep their license.
• With age comes lower rates – Young drivers are known to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. If you’ve ever had to add a beginning driver onto your car insurance can cause a big jump in price. Older insureds have been proven to be more responsible, cause fewer claims and accidents .

Get lower rates with these discounts

Companies offering auto insurance don’t necessarily list every policy discount in a way that’s easy to find, so we break down some of the best known as well as the least known discounts you could be receiving when you buy insurance online.

• Multi-car Discount – Having all your vehicles with the same insurance company can reduce rates for all insured vehicles.
• Telematics Discount – Drivers who agree to allow companies to analyze when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
• Club Memberships – Affiliation with a civic or occupational organization can get you a small discount when shopping for insurance.
• Smart Student Discounts – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you until age 25.
• Paperless Signup – Some companies will give a small break for buying your policy online.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.

A list of companies and a selection of discounts are:

• 21st Century may offer discounts for anti-lock brakes, early bird, teen driver, driver training, defensive driver, air bags, and theft prevention.
• Progressive has discounts for continuous coverage, homeowner, good student, online signing, multi-policy, multi-vehicle, and online quote discount.
• State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, good driver, driver’s education, and multiple autos.
• Nationwide includes discounts for accident-free, multi-policy, defensive driving, Farm Bureau membership, good student, family plan, and anti-theft.
• Esurance offers premium reductions for multi-car, anti-theft, Switch & Save, good driver, and claim free.
• The Hartford offers discounts for defensive driver, air bag, driver training, good student, bundle, vehicle fuel type, and anti-theft.

It’s a good idea to ask each insurance company to give you their best rates. Some credits might not be available to policyholders in your area. To choose providers with discount insurance rates, click here.

Auto insurance can be complex

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions might point out if you could use an agent’s help.

• Are my friends covered when driving my car?
• Is my camper covered by my car insurance policy?
• I have health insurance so do I need medical payments coverage?
• Should I bundle my homeowners policy with my auto?
• What discounts do I qualify for?
• Do I need PIP (personal injury protection) coverage in my state?
• Will I be non-renewed for getting a DUI or other conviction?
• If my 2000 Chevy Malibu is totaled, can I afford another vehicle?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Detailed coverages of your insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2000 Chevy Malibu.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses like surgery, hospital visits, X-ray expenses, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance – This provides protection from damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like legal defense fees, emergency aid, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Affordable insurance is out there

Drivers leave their current company for any number of reasons including policy non-renewal, unfair underwriting practices, delays in paying claims and questionable increases in premium. Whatever your reason, choosing a new company can be pretty painless.

In this article, we presented some good ideas how to lower your 2000 Chevy Malibu insurance prices. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

More affordable insurance can be found online and also from your neighborhood agents, so you need to shop insurance with both to have the best rate selection. Some companies do not provide online price quotes and most of the time these smaller companies only sell coverage through independent agents.

Helpful information

• How to Avoid Common Accidents (State Farm)
• Side Impact Crash Tests (iihs.org)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)