Cheaper 2021 Chevrolet Malibu Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 1, 2024

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Buying auto insurance online could seem overwhelming if you have never taken advantage of online rate quotes. But keep reading because it’s actually quite easy.

Buying car insurance is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But drivers must know how companies market on the web because it can help you find the best coverage.

Compare insurance coverage quotes online

Most companies such as Progressive, GEICO, Allstate and State Farm allow you to get pricing on the web. Obtaining pricing is quite simple because it’s just a matter of typing in as requested by the quote form. Once you submit the form, their rating system will order your driving and credit reports and generates a price.

Being able to quote online helps simplify price comparisons, but the time it takes to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to find better insurance coverage pricing.

The easiest way to lower your insurance coverage bill uses just one form that gets prices from many companies. It saves time, helps eliminate repetitive entry, and makes quoting online much more enjoyable. After your information is entered, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and can result in significant savings.

In order to compare rates now, simply enter your zip code here and input your coverage information. If you currently have coverage, we recommend you duplicate coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you are getting a price comparison based on similar coverages.

Get lower rates by applying discounts

Some providers don’t always list every discount available very well, so the following is a list of a few of the more well known as well as the least known savings tricks you should be using when you buy auto insurance online. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

  • Telematics Discount – Drivers who agree to allow companies to scrutinize driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.
  • Homeowners Pay Less – Owning a house may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates on Malibu insurance compared to accident prone drivers.
  • Driver Training Discounts – Successfully completing a defensive driver course may get you a small discount and also improve your driving technique.
  • Early Signing – A few insurance companies allow discounts for signing up before your current coverage expires. The savings is around 10%.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.

Some of the insurance companies that may offer policyholders some of the above discounts possibly include:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

Before you buy a policy, ask each company or agent which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. To see a list of companies who offer online insurance quotes, enter your zip code here.

How to lower your insurance costs

Many things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, but others are not quite as obvious like your vehicle usage or your vehicle rating.

  • Consolidate home and auto and save – Some insurers allow lower prices to policyholders that have more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, drivers will still want to compare rates to ensure the best deal. You may still be able to save even more even if you have your coverage with different companies.
  • Pay more if you have a long commute – Choosing to live in a rural area is a positive aspect when it comes to insurance coverage. Residents of big cities have more road rage incidents and longer commutes to work. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
  • Drive less and save – The higher the miles on your Chevy each year the more you will pay for insurance coverage. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles that have low annual miles get more affordable rates compared to those used for work or business. Ask your agent if your declarations sheet shows the correct driver usage, because improper ratings can cost you money. Improper usage on your Malibu may be costing you.
  • Reduce insurance coverage rates by driving safer vehicles – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Chevy Malibu is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Liability protection limits are a factor – Liability coverage will protect you if you are found liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Your car insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions can aid in determining if you might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Should I rate my 2021 Chevy Malibu as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • When should I remove comp and collision on my 2021 Chevy Malibu?
  • Is a blown tire covered by insurance?
  • Is business property covered if stolen from my car?
  • Is my teen driver covered when they drive my company car?
  • How can I force my company to pay a claim?
  • What discounts do I qualify for?
  • Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.

Information about specific coverages

Understanding the coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

Collision insurance will pay to fix damage to your Malibu resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like funeral costs, EMT expenses, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as emergency aid, attorney fees, loss of income and medical services. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Malibu.

Since 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 is a good idea.

One last thing

When you buy auto insurance online, make sure you don’t reduce coverage to reduce premium. Too many times, drivers have reduced full coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price but still have enough coverage for asset protection.

Cost effective 2021 Chevy Malibu insurance is attainable both online and from local agencies, and you need to price shop both to have the best selection. Some insurance companies don’t offer the ability to get quotes online and these smaller companies sell through independent agencies.

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, questionable increases in premium or even lack of trust in their agent. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.

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