Lower Your 2012 Chevrolet Malibu Car Insurance Rates

Trying to find better auto insurance rates for your Chevrolet Malibu? Having to pay for expensive Chevrolet Malibu insurance can sap your savings and force you to make tough financial choices. Comparing price quotes is recommended to tighten up your finances.

Insurance companies such as Progressive, GEICO and Farmers Insurance persitently shower you with advertising and it is difficult to see past the geckos and flying pigs and find the best price available.

Compare free insurance price quotes

Shopping for lower insurance rates can be a lot of work if you don’t understand the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system where insurance shoppers send in one quote, and each participating company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions for every insurance company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to doing it this way is that you can’t choose which providers you want to price. If you would rather choose specific providers to receive pricing from, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, be sure you’re using apples-to-apples quote information for every company. If you compare unequal deductibles or liability limits it’s not possible to determine which company has the best rates.

What is the best auto insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover if your situation may require specific advice.

  • How much liability insurance is required?
  • What is an SR-22 filing?
  • Can I rate high risk drivers on liability-only vehicles?
  • Which companies will insure high-risk drivers?
  • Is extra glass coverage worth it?
  • If I drive on a suspended license am I covered?
  • Am I covered if I wreck a rental car?
  • What companies insure drivers after a DUI or DWI?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, damage from flooding, hitting a deer, hail damage and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix 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 things like damaging your car on a curb, hitting a mailbox, driving through your garage door, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Malibu.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like funeral costs, prosthetic devices, hospital visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible