2013 Chevrolet Malibu Hybrid Insurance Rates

Average insurance rates for a 2013 Chevrolet Malibu Hybrid are $1,196 a year for full coverage. Comprehensive costs an estimated $220, collision insurance costs $358, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,586. Teenage drivers receive the highest rates at up to $4,658 a year.

Annual premium for full coverage: $1,196

Rate estimates for 2013 Chevrolet Malibu Hybrid Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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

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These differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Saving money on insurance may be hard for drivers new to online insurance quotes. With such a large number of agents and companies, it can easily turn into a difficult situation to lower your prices.

You need to price shop coverage on a regular basis since prices change frequently. Even if you think you had the best rate on Malibu Hybrid insurance a couple years back you will most likely find a better premium rate today. Forget all the misinformation about insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Buying more affordable auto insurance coverage is easy if you know what you’re doing. Nevertheless, consumers should learn how insurance companies compete online and take advantage of how the system works.

Buy insurance coverage online

The majority of larger companies give coverage prices direct online. Getting online quotes is quite simple because you just enter your coverage information on the page. Once entered, their rating system sends out for credit information and your driving record and gives you a price quote based on the information you submitted.

Quoting online makes it simple to compare prices but having to visit a lot of sites and type in the same data gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to find the lowest price.

Isn’t there an easier way to compare rates?

A better way to lower your rates makes use of a single form to obtain quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. To compare your current rates, we recommend that you enter as shown on your current policy. Using the same limits helps guarantee you will have rate comparison quotes for similar insurance coverage.

Don’t overlook these nine insurance coverage discounts

Some insurance providers don’t always advertise every possible discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

• Military Discounts – Being on active duty in the military could be rewarded with lower rates.
• Onboard Data Collection – Insureds that choose to allow driving data collection to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% on Malibu Hybrid insurance depending on your company.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
• Own a Home and Save – Simply owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home shows financial diligence.
• Driver Safety – Completing a driver safety course could earn you a small percentage discount if you qualify.
• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Student Discounts – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
• Multi-line Discount – Larger insurance carriers have a small discount if you purchase a life insurance policy as well.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic. But any discount will lower your insurance coverage premiums.

For a list of providers who offer insurance coverage discounts, enter your zip code here.

When to get professional advice

When it comes to buying the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

• When should I buy a commercial auto policy?
• When would I need rental car insurance?
• Should I buy full coverage?
• I have a DUI can I still get coverage?
• Is business equipment covered while in my vehicle?
• Is motorclub coverage worth it?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

The insurance coverage bait and switch

Insurance coverage providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all convey the message that you can save if you change your policy. How does every insurance coverage company charge you less for car insurance? You have to listen carefully.

Insurance coverage companies offer their best rates for the type of driver that will not have excessive claims. A good example of a desirable insured might be described as between 25 and 40, has had continuous coverage, and insures a new vehicle. A driver that meets those criteria will get very good rates and will pay quite a bit less when switching companies.

Drivers who may not quite match the “perfect” profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can make those statements. This emphasizes why you really should compare quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will fit you best based on your risk profile.

Insurance coverage options for a 2013 Chevy Malibu Hybrid

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance covers damage to your Malibu Hybrid from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird, vandalism and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like doctor visits, prosthetic devices, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, medical services, attorney fees, pain and suffering and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 2013 Chevy Malibu Hybrid.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Quote often and quote early

While you’re price shopping online, you should never buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability coverage limits only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

People switch companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, poor customer service and denial of a claim. Regardless of your reason, finding a great new company can be pretty painless.

We just showed you many tips how you can lower your 2013 Chevy Malibu Hybrid insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small local company.

For more information, take a look at the resources below:

• Auto Insurance FAQ (Farmers Insurance)
• How to Avoid Common Accidents (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)