2013 Chevrolet Malibu Insurance Cost

Want the cheapest car insurance rates for your Chevrolet Malibu? Comparison shopping for car insurance is always a challenge for beginners to shopping for insurance online. Drivers have so many options available that it can turn into a real challenge to find lower rates.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will be able to cut costs considerably using these methods. Nevertheless, car owners must understand the way insurance companies market on the web and take advantage of how the system works.

The fastest way that we advise to compare insurance rates from multiple companies is to understand most of the larger companies participate in online systems to compare their rates. The one thing you need to do is give them some information such as whether your vehicle is owned or leased, whether you drive to work or school, daily mileage, and whether or not you need a SR-22. Your details gets transmitted to many of the top insurers and you receive quotes quickly.

Can you really save that much by switching?

Insurance companies such as State Farm, Geico and Progressive continually stream ads in print and on television. They all seem to make an identical promise that you can save after switching your coverage to them. How does each company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for the “perfect” profile will have to pay more money which leads to the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can state the savings. Because of the profiling, you need to compare many company’s rates. It’s not possible to predict which insurance companies will give you the biggest savings on Chevy Malibu insurance.

Get lower rates on 2013 Chevy Malibu insurance

Car insurance companies don’t always publicize every discount very clearly, so the following is a list of some of the best known and also the lesser-known insurance savings.

  • Distant Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing over the internet.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates for Malibu coverage.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To see a list of insurers who offer insurance discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I break a side mirror?
  • What is PIP insurance?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance policy specifics

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, rehabilitation expenses, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – This can cover damage or injury you incur to people or other property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverages – This coverage pays for 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 such as backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Malibu.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, fire damage and theft. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a smart shopper

Insureds who switch companies do it for many reasons like lack of trust in their agent, denial of a claim, unfair underwriting practices and being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

Throughout this article, we presented some good ideas how you can get a better price on 2013 Chevy Malibu insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from some of the lesser-known companies.

Cheap insurance is attainable online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and these small, regional companies work with independent agents.

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