How Much Does 2004 Chevrolet Malibu Maxx Car Insurance Cost?

Having to pay for pricey Chevrolet Malibu Maxx insurance can sap your bank account and put the squeeze on your family’s finances. Getting a rate comparison can help to ensure you are getting the best deal.

Companies like Progressive, GEICO and Farmers Insurance all promote huge savings with fancy advertisements and it can be hard to not get sucked in by the cute commercials and find the best price available.

Save a ton by earning discounts

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we break down a few of the more common and the harder-to-find car insurance savings.

  • Defensive Driving Course – Taking part in a course in defensive driver can save you 5% or more and easily recoup the cost of the course.
  • Multi-Vehicle Discounts – Insuring more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Payment Discounts – By making one initial payment rather than paying in monthly installments you could save up to 5%.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Discount for Home Ownership – Just being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Low Miles Discount – Driving less may allow you to get discounted premium rates on garaged vehicles.
  • Bundle and Save – If you can bundle your home and auto insurance with the same insurance company you may save nearly 15% which can help you find cheaper car insurance.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

If you would like to choose from a list of insurance companies that offer some of these discounts, click here to view.

Shop auto insurance online

Finding cheap 2004 Chevy Malibu Maxx auto insurance prices is a great way to save money. The only thing you need to do is spend a few minutes on the computer to compare free car insurance quotes from different insurance companies. You can get a good selection of rate quotes by using one of the methods below.

  • The simplest way to get quotes would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating separate quote forms for each company you want a rate for. Taking the time to complete one form will get you price quotes from many national carriers.
  • A more difficult way to find better pricing consists of going to the website for each individual company to request a price quote. For instance, we’ll assume you want comparison quotes from Liberty Mutual, State Farm and GMAC. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just do your best to use nearly identical coverage information for every quote you compare. If you enter higher or lower deductibles you can’t possibly determine the best price for your Chevy Malibu Maxx.

How car insurance companies determine Chevy Malibu Maxx insurance premiums

Many factors are considered when you get your auto insurance bill. Some are obvious like an MVR report, but other factors are more transparent such as your marital status or your vehicle rating.The best way to find cheaper car insurance is to take a look at some of the things that aid in calculating your policy premiums. If you have some idea of what influences your rates, this helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Frequent policy claims will cost you more – If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Companies give most affordable rates to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Does your job raise your prices? – Jobs such as doctors, architects and emergency personnel are shown to have higher average rates due to high stress and incredibly demanding work hours. On the flip side, occupations like professors, athletes and performers have lower than average premiums for Malibu Maxx insurance.
  • Always keep your car insurance policy in force – Having a gap between insurance policy dates will be a fast way to bump up your car insurance costs. In addition to paying higher rates, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Avoid traffic tickets – Attentive drivers have lower premiums than bad drivers. Even one moving violation can increase rates forty percent or more. Drivers who have received serious citations such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • Gender and insurance coverage premiums – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes are in fender benders at about the same rate, but the men cause more damage. Not only that, but men also have more aggressive citations such as reckless driving.

Your insurance coverage coverage should be tailored to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining if your situation might need an agent’s assistance.

  • Does having multiple vehicles earn me a discount?
  • Is extra glass coverage worth it?
  • What is the ISO rating for a 2004 Chevy Malibu Maxx?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will filing a claim cost me more?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if my car is in a flood?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, 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 coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

The ad said I’d save $473 a year!

Consumers can’t avoid all the ads for insurance coverage savings by companies like State Farm and Allstate. All the ads advertise the message of big savings if you get a free car insurance quote and switch your insurance coverage coverage to their company.

How does every company sell you cheaper insurance coverage? It’s all in how they say it.

Most companies have an ideal profile for the type of driver that is profitable for them. For example, a profitable customer might be described as a mature driver, has no driving citations, and drives less than 10,000 miles a year. Anybody that fits those parameters receives the best prices and will cut their rates if they switch.

Potential insureds who don’t measure up to this stringent profile will have to pay a higher premium which usually ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently make it sound like they have such great prices. This really illustrates why drivers must do a quote comparison often. It is impossible to predict the company that will have the best premium rates at this point in time.

Car insurance specifics

Understanding the coverages of car insurance can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Liability coverage – This coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like attorney fees, repair costs for stationary objects, funeral expenses and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Malibu Maxx.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This coverage pays for 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 coverage pays for things like hitting a bird, hail damage and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, X-ray expenses, pain medications and doctor visits. The coverages can be utilized in addition to 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 getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Summing up your insurance coverage search

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered many tips how you can lower your 2004 Chevy Malibu Maxx insurance premium rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheaper car insurance. Consumers could even find that the lowest priced insurance coverage comes from an unexpected company. Smaller companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

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