Cheapest 1999 Chevrolet Malibu Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Looking for the cheapest auto insurance rates for your Chevrolet Malibu? Tired of paying out the nose to buy car insurance? Your situation is no different than millions of other consumers. Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the lowest price
If you have a current insurance policy or need a new policy, you can use this information to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know the proper way to buy insurance online.
Free Quotes for Auto Insurance
Shopping for lower auto insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use online quoting for quick rates.
Most car insurance companies belong to an insurance system that allows shoppers to complete one form, and every company can provide price quotes. This system prevents you from having to do quote requests for each company you want a rate for.
To fill out one form to compare multiple rates now click to open in new window.
The single downside to pricing coverage this way is you cannot specify which insurance companies you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but make sure you use the exact same coverages on every quote. If you enter differing limits it will be impossible to truly determine the lowest rate.
Save 15 percent in 15 minutes? Is it for real?
Consumers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. All the companies make the same claim that you’ll save big if you move to their company.
How does each company make the same claim?
Different companies have a certain “appetite” for the right customer that earns them a profit. An example of a profitable customer could be between 25 and 40, has no driving citations, and has a short commute. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Consumers who don’t meet the “perfect” profile will be quoted higher prices which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently state the savings. This emphasizes why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest Chevy Malibu insurance rates.
Verify you’re getting all your discounts
Companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Homeowners Pay Less – Owning a house can help you save on auto insurance because owning a home shows financial diligence.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
- Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up over the internet.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
- One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.
- Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.
Companies who might offer these benefits include:
It’s a good idea to ask each company which discounts they offer. Some discounts might not be offered in your area.
When should I talk to an agent?
When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.
- How can I get my company to pay me more for my totalled car?
- How high should my medical payments coverage be?
- Can I afford low physical damage deductibles?
- What is no-fault insurance?
- Do I need an umbrella policy?
- Am I covered when pulling a rental trailer?
- Does my policy pay for OEM or aftermarket parts?
- Why do I only qualify for high-risk insurance?
- Is business property covered if stolen from my car?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Auto insurance coverages
Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.
Comprehensive auto coverage
This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as rock chips in glass, damage from getting keyed, hail damage, hitting a bird and vandalism. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as X-ray expenses, nursing services, surgery, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
This coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.
Liability coverage pays for claims such as loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.
Auto collision coverage
Collision coverage will pay to fix damage to your Malibu from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a parking meter, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
Shop around and save
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Lower-priced 1999 Chevy Malibu insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
You just learned some good ideas how to lower your insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
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Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Chevrolet Malibu?
To find the cheapest insurance for your 1999 Chevrolet Malibu, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare their prices and coverage options.
- Consider the coverage you need: Assess your insurance needs and choose coverage limits that meet your requirements without unnecessary additions.
- Increase deductibles: Opting for higher deductibles can lower your premium, but keep in mind that you’ll have to pay more out of pocket in the event of a claim.
- Look for discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for installing safety features in your car.
- Maintain a clean driving record: A good driving history with no accidents or traffic violations can help you secure lower insurance premiums.
Are older cars generally cheaper to insure?
Generally, older cars like the 1999 Chevrolet Malibu tend to have lower insurance premiums compared to newer models. There are a few reasons for this:
- Lower value: Older cars have a lower market value, which means the insurance company would pay less in the event of a total loss.
- Reduced risk of theft: Older vehicles are often less attractive to thieves, resulting in lower comprehensive coverage costs.
- Lower repair costs: Parts for older cars are generally more affordable, which can lower the overall cost of repairs for the insurance company.
What factors besides the car’s age affect the insurance cost for a 1999 Chevrolet Malibu?
Several factors can influence the insurance cost for a 1999 Chevrolet Malibu, including:
- Driver’s age and experience: Young and inexperienced drivers may face higher insurance premiums.
- Driving history: A clean driving record with no accidents or traffic violations can help reduce insurance costs.
- Location: Insurance rates can vary based on your location due to factors such as crime rates, population density, and frequency of accidents in the area.
- Coverage options: The type and amount of coverage you choose will impact your premium. Comprehensive and collision coverage tend to be more expensive than liability-only coverage.
- Deductibles: Higher deductibles can lower your premium but require you to pay more out of pocket in case of a claim.
- Credit history: In some states, insurance companies consider credit history when determining premiums.
Are there any specific insurance considerations for older vehicles like the 1999 Chevrolet Malibu?
Yes, when insuring an older vehicle like the 1999 Chevrolet Malibu, there are a few considerations to keep in mind:
- Determine the vehicle’s value: Assess the current market value of your car to ensure you have appropriate coverage. If the cost of repairs exceeds the car’s value, you may not need comprehensive and collision coverage.
- Consider liability coverage: Liability insurance is typically required by law and protects you if you cause damage to other people or their property in an accident.
Evaluate the need for comprehensive and collision coverage: If your vehicle’s value is low, you might consider dropping comprehensive and collision coverage to save on premiums.
- Regular maintenance: Properly maintaining your older vehicle can help prevent mechanical issues and potentially reduce the risk of accidents, which can positively impact your insurance rates.
Are there any specific insurance providers known for offering affordable rates on older vehicles?
Insurance rates can vary depending on multiple factors, including the insurance provider. While it’s difficult to pinpoint a specific company, it’s generally recommended to obtain quotes from multiple insurance providers to compare prices and find the most affordable option for your 1999 Chevrolet Malibu. It’s also beneficial to consider insurers who specialize in serving the needs of older vehicles or offer discounts for insuring multiple cars or bundling policies.
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