2015 Chevrolet Malibu Insurance Rates
Average insurance rates for a 2015 Chevrolet Malibu are $1,336 a year with full coverage. Comprehensive costs an estimated $274, collision costs $474, and liability coverage costs $430. Buying a liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,888. Teen drivers receive the highest rates at $5,048 a year or more.
Annual premium for full coverage: $1,336
Rate estimates for 2015 Chevrolet Malibu Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 Chevrolet Malibu 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 $486 for the bare minimum liability coverage to the much higher price of $2,888 for a driver who has had serious violations or accidents.
These differences demonstrate why everyone should compare rates for a targeted area and risk profile, rather than using price averages.
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Recommended Companies for Cheap 2015 Chevrolet Malibu Insurance
Want cheaper insurance rates for your Chevrolet Malibu? I can’t think of anyone who looks forward to buying insurance, especially knowing they are paying too much.
You have multiple auto insurance companies to buy insurance from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost insurance.
Shopping for the best auto insurance coverage is not that difficult. In a nutshell, anyone who carries auto insurance will be able to save money. Nevertheless, car owners need to have an understanding of how the larger insurance companies price insurance differently because it can help you find the best coverage.
The fastest way that we advise to compare car insurance rates is to know the trick car insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is give them rating details like level of coverage desired, whether the vehicles are used for commuting, what your job is, and the make and model of your vehicles. The rating information is automatically sent to multiple different insurance companies and you should receive rate quotes immediately.
Recommended Companies for the Best Insurance Rates
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Which insurance is the “right” coverage?
When it comes to buying the best insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs would benefit from professional advice.
- When should I buy a commercial auto policy?
- Is my cargo covered for damage or theft?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Can my teen drive my company car?
- What is PIP insurance?
- Does my policy pay for OEM or aftermarket parts?
- How much underlying liability do I need for an umbrella policy?
- Does my insurance cover a custom paint job?
- Does insurance cover tools stolen from my truck?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Car insurance coverage specifics
Understanding the coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.
Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills like surgery, prosthetic devices, pain medications, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2015 Chevy Malibu.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Collision – Collision insurance covers damage to your Malibu resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as scraping a guard rail, hitting a parking meter, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Auto liability – This will cover damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like loss of income, bail bonds, pain and suffering and court costs. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Comprehensive coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
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Rates by U.S. City
|New York City, NY||$2,109|
|Los Angeles, CA||$2,283|
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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||$96|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.