Save on 2018 Chevrolet Malibu Car Insurance Quotes

Want the cheapest insurance rates for your Chevrolet Malibu? Are you at wits end from sacrificing to keep your car insured? You’re in the same situation as millions of other vehicle owners. Since you have so many options when it comes to insurance, it’s difficult to locate the most affordable insurer.

Finding affordable coverage is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using this information. Vehicle owners just need to understand the most effective way to compare prices online.

Buy car insurance online

There are multiple methods to shop for car insurance, but there is one way that is less time-consuming than others. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many popular insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and every company returns a rated price based on that data. This eliminates the need for quotation requests for each company.

To compare rates using this form now click here to start a free quote.

The single downside to doing it this way is you can’t choose which providers to receive prices from. If you wish to select from a list of companies to compare rates, we have a page of low cost car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but be certain you are entering equivalent coverage limits and deductibles for each quote you get. If you compare differing limits it’s impossible to determine the best price for your Chevy Malibu.

Why you might pay inflated rates

Part of the insurance coverage buying process is learning some of the elements that help calculate insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are most of the major factors used by your company to calculate premiums.

  • Accidents are costly – Your driving record has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Getting just one citation can bump up the cost by twenty percent. Drivers who have gotten multiple citations such as reckless driving or DUI may be required to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • lapses raise prices – Driving any period of time without insurance is a big no-no and companies may charge more for letting your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Theft deterrents save – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
  • Having a spouse can save on insurance coverage – Being married helps lower the price when buying insurance coverage. Having a significant other is viewed as being more mature and insurance companies like that married drivers tend to have fewer serious accidents.
  • Infrequent drivers can save – The more you drive each year the higher your rate. A lot of companies calculate prices based on how the vehicle is used. Cars left parked in the garage receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your insurance coverage declarations sheet reflects the correct usage for each vehicle. An improperly rated Malibu is just wasting money.
  • Your stress level may be raising your prices – Jobs like judgesair traffic controllers and emergency personnel have higher rates than average due to intense work-related stress and lots of time spent at work. Conversely, careers like scientists, historians and homemakers have lower than average premiums on Malibu coverage.

Verify you’re receiving every discount

Car insurance is not cheap, but you may be missing some discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few need to be asked about before you will receive the discount. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Multi-car Discount – Buying coverage for multiple vehicles with the same insurance company could earn a price break for each car.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you may save approximately 10% to 15%.
  • Safe Driver Discount – Accident-free drivers can pay as much as 50% less on Malibu coverage than drivers with accidents.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
  • Accident Forgiveness – but a few companies such as Geico, Allstate and Liberty Mutual permit an accident without raising rates so long as you are claim-free before the accident.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

Some of the larger companies that may offer quotes with some of the discounts shown above include:

When comparing rates, check with each company what discounts are available to you. Some discounts listed above might not be offered on policies in your area.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are split liability limits better than a combined single limit?
  • Where can I find DUI or SR-22 insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Should I rate my 2018 Chevy Malibu as pleasure use or commute?
  • How much liability insurance is required?
  • Is my custom paint covered by insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages for a 2018 Chevy Malibu

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Liability – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, emergency aid, medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for pain medications, chiropractic care, ambulance fees and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Malibu.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, vandalism and fire damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, sideswiping another vehicle, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

A little work can save a LOT of money

In this article, we covered many ideas to shop for 2018 Chevy Malibu insurance online. The key thing to remember is the more providers you compare, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Geico and State Farm.

As you shop your coverage around, never skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Cheaper auto insurance can be sourced online in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best selection. Some companies may not offer online rate quotes and these small, regional companies only sell through independent agents.

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Comments About 2018 Chevrolet Malibu Insurance

  1. Tomika Anthony

    Will GEICO rates go up if I file a claim?

  2. Sherman Mckenzie

    Just a quick comment on my experience. From a town just southwest of Bangor, Maine. Received quotes with Amica, Sentry, and a few others for my Chevrolet and I’m now saving $25 a month. I’m a pretty low risk driver.