How Much Does 2006 Chevrolet Malibu Insurance Cost?

Perplexed by the dozens of insurance companies? Many other consumers are too. Consumers have so many options available that it can easily become more work than you anticipated to find the perfect company for you.

It’s smart to shop coverage around yearly since insurance rates fluctuate regularly. Just because you had the best deal on Malibu coverage six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because you’re about to learn how to quote online to find great coverage at a great price.

The fastest way that we advise to get rate comparisons is to know the trick most of the bigger providers provide online access to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details like an estimate of your credit level, distance driven, if you are currently licensed, and types of safety features. The rating information is instantly sent to insurance carriers in your area and you will receive price estimates quickly.

Don’t miss these discounts

Companies don’t always advertise every discount very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.

Driver Safety – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of 20% or more.
Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance on Malibu coverage.
Accident Free – Claim-free drivers pay much less compared to frequent claim filers.

It’s important to understand that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Insurance companies that may offer some of the above discounts are:

Double check with every prospective company which discounts they offer. Discounts may not be available in your state.

When might I need help?

When it comes to choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

Do I have any recourse if my insurance company denies a claim?
Am I covered if I wreck a rental car?
Can I afford low physical damage deductibles?
Am I covered when pulling a rental trailer?
How much liability do I need to cover my assets?
When can my company non-renew my policy?
Am I covered if hit by an uninsured driver?
Is my 2006 Chevy Malibu covered for flood damage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Learn about insurance coverages for a 2006 Chevy Malibu

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, rock chips in glass and theft. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your Malibu caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, crashing into a ditch, driving through your garage door, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, bail bonds and attorney fees. How much coverage you buy is your choice, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2006 Chevy Malibu.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like X-ray expenses, chiropractic care, doctor visits, ambulance fees and pain medications. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible