2009 Chevrolet Malibu Hybrid Insurance Rates
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UPDATED: Nov 12, 2021
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Average insurance rates for a 2009 Chevrolet Malibu Hybrid are $1,080 a year for full coverage insurance. Comprehensive costs approximately $180 a year, collision costs $268, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,328. Teen drivers receive the highest rates at $4,304 a year or more.
Annual premium for full coverage: $1,080
Rate estimates for 2009 Chevrolet Malibu Hybrid Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 Chevrolet Malibu Hybrid models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $522 for just liability coverage to a high of $2,328 for a driver who has had serious violations or accidents.
These differences illustrate why it is important for drivers to compare prices using their specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2009 Chevrolet Malibu Hybrid Insurance
Overpriced Chevrolet Malibu Hybrid insurance can drain your personal savings and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket. Popular companies such as State Farm, GEICO and Farmers Insurance continually bombard you with advertising and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.
Save with discounts on Chevy Malibu Hybrid insurance
Car insurance companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are throwing money away.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Malibu Hybrid insurance than their less cautious counterparts.
- New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- E-sign – A few companies will discount your bill up to fifty bucks just for signing your application online.
- Multiple Policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Senior Citizens – Older drivers may be able to get a discount up to 10% on Malibu Hybrid insurance.
- Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
- College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
A little note about advertised discounts, some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.
Car insurance companies who might offer these money-saving discounts include:
Check with all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.
Comparison of Insurance Coverage
Most major insurance companies like State Farm, GEICO and Progressive give coverage prices on their websites. Getting online rates is pretty painless as you just type in your coverage preferences into the quote form. After you submit the form their system will obtain your driving record and credit report and returns a price quote based on many factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit multiple sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price possible.
Rate comparisons made easy
A quicker way to get multiple rate quotes uses one form that analyzes rates from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy any of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and may save quite a bit of money.
To quickly get comparison pricing now, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This guarantees you’re receiving rate comparison quotes using the same coverage and limits.
Tailor your coverage to you
When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out whether your personal situation may require specific advice.
- What if I don’t agree with a claim settlement offer?
- Do I need motorclub coverage?
- Should I get collision insurance on every vehicle?
- Are split liability limits better than a combined single limit?
- Can I still get insurance after a DUI?
- Can my teen drive my company car?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Don’t be fooled by advertising claims
Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. All the companies say the same thing that you can save after switching your policy.
How does each company make almost identical claims? It’s all in the numbers.
All the different companies have a certain “appetite” for the driver they prefer to insure. For example, a driver they prefer could be over the age of 40, owns a home, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when they switch companies.
Potential insureds who fall outside the requirements must pay more money and ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save money. That’s why companies can make those claims. This illustrates why you absolutely need to get quotes from several different companies. You cannot predict which company will give you the biggest savings on Chevy Malibu Hybrid insurance.
Auto insurance 101
Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.
Coverage for liability
This provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things like funeral expenses, pain and suffering, medical expenses, legal defense fees and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Malibu Hybrid.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hitting a bird, theft, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses like EMT expenses, rehabilitation expenses, dental work, pain medications and doctor visits. They are often used to fill the gap from your health insurance policy 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. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as crashing into a building, hitting a mailbox and backing into a parked car. This coverage can be expensive, 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.
Feed the piggy bank
We just showed you many ideas to compare 2009 Chevy Malibu Hybrid insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best prices are with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
The cheapest insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
When buying insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford.
To learn more, take a look at the following helpful articles:
Rates by U.S. City
|New York City, NY||$1,704|
|Los Angeles, CA||$1,845|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$69|
|5-yr Claim Free||$68|
|Paid in Full/EFT||$41|
Discounts are estimated and may not be available from every company or in every state.