2011 Chevrolet Malibu Car Insurance Rates

Want the cheapest insurance coverage rates for your Chevrolet Malibu? Are you tired of not being able to afford to buy insurance coverage? You are no different than the majority of other drivers. There are many car insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to locate the cheapest rates.

How much does car insurance cost?

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You can waste hours driving to agents in your area, or you could use the internet to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and at least one company can give them a price determined by their information. This saves time by eliminating repetitive form submissions to every company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to comparing rates this way is that consumers can’t choose which carriers to receive prices from. So if you prefer to choose individual companies to receive pricing from, we have a listing of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare apples-to-apples information with each company. If you enter differing limits it will be very difficult to make an equal comparison.

Auto insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but you might find some hidden discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but a few need to be manually applied before you will receive the discount.

• Military Rewards – Being deployed in the military could qualify you for better auto insurance rates.
• Paperless Signup – Many insurance companies may give you up to $50 for buying your policy online.
• Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
• Early Renewal Discounts – Some insurance companies give discounts for switching companies before your current expiration date. It’s a savings of about 10%.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

The best auto insurance companies and their offered discounts are shown below.

• Geico may offer discounts for seat belt use, federal employee, good student, military active duty, anti-lock brakes, driver training, and emergency military deployment.
• Travelers includes discounts for hybrid/electric vehicle, save driver, continuous insurance, multi-car, and IntelliDrive.
• Nationwide may have discounts that include defensive driving, accident-free, family plan, anti-theft, and good student.
• Farmers Insurance policyholders can earn discounts including teen driver, business and professional, youthful driver, pay in full, and early shopping.
• Esurance has discounts for online shopper, renters, safety device, multi-policy, good driver, online quote, and homeowner.
• State Farm offers discounts including multiple policy, good driver, safe vehicle, Drive Safe & Save, and anti-theft.
• Progressive has savings for online signing, continuous coverage, multi-vehicle, multi-policy, and good student.
• Mercury Insurance discounts include age of vehicle, multi-policy, accident-free, good driver, and multi-car.

If you are trying to find low cost insurance coverage quotes, ask every company which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in every state. To see a list of auto insurance companies with the best discounts, click this link.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether or not you will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• At what point should I drop full coverage?
• Am I getting all the discounts available?
• Who is covered when they drive my 2011 Chevy Malibu?
• Is pleasure use cheaper than using my 2011 Chevy Malibu to commute?
• Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, hitting a bird and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical services, repair costs for stationary objects, structural damage, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Malibu.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for nursing services, hospital visits, chiropractic care, X-ray expenses and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

In the end, you save

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage only to regret they didn’t have enough coverage. Your focus should be to buy enough coverage at the best possible price, not the least amount of coverage.

You just learned a lot of tips how to compare 2011 Chevy Malibu insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may even find the best premium rates are with an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

More detailed insurance information is available in the articles below:

• Auto Insurance FAQ (Farmers Insurance)
• How Much are Auto Insurance Rates for a Chevrolet Malibu in Mesa? (MesaInsure.com)
• How Much are Car Insurance Quotes for a Chevrolet Malibu in San Diego? (SanDiegoCoverage.com)
• Anti-Lock Brake FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Prom Night Tips for Teen Drivers (State Farm)