2009 Chevrolet Malibu Insurance Quotes – 8 Ideas for Best Rates

Looking for lower car insurance rates for your Chevrolet Malibu? Finding low-cost insurance for a new or used Chevy Malibu can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to compare rates for a Chevy and locate the best price possible.

Lower-cost car insurance rates with discounts

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but some discounts are required to be specially asked for before they will apply.

• Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Low Mileage Discounts – Low annual miles may enable drivers to earn better car insurancerates on cars that stay parked.
• 55 and Retired – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Malibu insurance.
• College Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Telematics Data Discounts – Drivers that enable data collection to scrutinize driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
• No Accidents – Drivers who stay claim-free get the best car insurance rates in comparison with drivers who are more careless.
• Multi-policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn up to 20% off your total premium.
• Anti-theft System – Vehicles that have factory anti-theft systems help deter theft so companies will give you a small discount.

We need to note that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to see a list of companies that offer many of these discounts, follow this link.

Buy auto insurance online

Performing a rate comparison can be challenging if you don’t know the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace that enables customers to submit their information once, and every company can give them a price. This prevents consumers from doing quote requests to every company.

To compare rates now click here to open in new window.

The only downside to comparing rates this way is that consumers can’t choose the providers you want to price. So if you prefer to choose specific providers for rate comparison, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to enter equivalent coverage limits for each price quote. If your comparisons have unequal deductibles or liability limits you can’t possibly make an equal comparison.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover if you could use an agent’s help.

• What is PIP insurance?
• If my pet gets injured in an accident are they covered?
• Should I file a claim if it’s only slightly more than my deductible?
• Why is insurance for a teen driver so high?
• Is rental equipment covered for theft or damage?
• Is my Chevy Malibu covered if I use it for business?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. All the ads seem to make the promise that people will save if you change your policy.

But how can every company save you money?

Most companies have an ideal profile for a prospective insured that earns them the most money. An example of a desirable insured may be between the ages of 30 and 50, carries full coverage, and drives a safe vehicle. A customer that matches those criteria receives the best auto insurance rates and therefore will save a lot of money.

Potential customers who do not meet these stringent criteria will probably be forced to pay higher premiums and ends up with business going elsewhere. The ads state “people who switch” not “all people who quote” save that much. That’s why companies can truthfully state the savings.

This emphasizes why drivers should get as many free insurance quotes as possible. You cannot predict with any certainty which company will give you the biggest savings.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, damage from flooding and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2009 Chevy Malibu.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as structural damage, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your Malibu from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Online plus local equals savings

Cheaper 2009 Chevy Malibu insurance is possible both online and from local insurance agents, so you need to quote insurance with both to have the best selection. Some insurance companies may not offer the ability to get quotes online and these small insurance companies prefer to sell through independent agencies.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured cut physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

We just showed you many tips how you can save on 2009 Chevy Malibu insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies.

Additional information can be found at the links below

• Vehicle Insurance in the U.S. (Wikipedia)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• What is a Telematics Device? (Allstate)