Lower Your 2010 Chevrolet Malibu Car Insurance Quotes

Finding low-cost insurance for a new or used Chevy Malibu could be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to buy car insurance and we’ll show you the absolute fastest way to compare rates for your Chevy and locate the lowest price from both online companies and local agents.

Consumers should take time to do rate comparisons yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best rates on Malibu coverage last year you will most likely find a better rate quote today. You can find a lot of information about car insurance online but in just a couple of minutes you can learn a bunch of ideas how to lower your car insurance bill.

Cheaper rates with these discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Some discounts will apply when you quote, but a few must be specifically requested in order for you to get them.

• Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
• Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Discounts for Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same insurance coverage company can get a discount on all vehicles.
• Homeowners Savings – Just owning your own home can earn you a little savings because owning a home is proof of financial responsibility.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurance companies that offer multiple discounts, click this link.

Car insurance can be complex

When it comes to buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

• Is borrowed equipment or tools covered if stolen or damaged?
• Do I have newly-aquired coverage?
• Do I really need UM/UIM coverage?
• What is the difference between comprehensive and collision coverage?
• Why am I required to buy high-risk coverage?
• Am I covered if my car is in a flood?
• Is my business laptop covered if it gets stolen from my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage if my license is suspended?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, hail damage, damage from flooding, damage from a tornado or hurricane and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like doctor visits, funeral costs, X-ray expenses, EMT expenses and dental work. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, loss of income, pain and suffering and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This coverage covers damage to your Malibu from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a building, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Chevy Malibu.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Make an honest buck

As you quote car insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone sacrificed full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Drivers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, extreme rates for teen drivers or questionable increases in premium. Whatever your reason, finding a new auto insurance company is easier than you think.

In this article, we presented many ideas to compare 2010 Chevy Malibu insurance premium rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

More detailed auto insurance information is located by following these links:

• What is Gap Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Rollover Crash FAQ (iihs.org)