Cheap 2015 Chevrolet Malibu Insurance Rates

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for low-cost Chevy Malibu insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to shop for insurance and we’ll show you the best way to quote coverages on a Chevy and locate the lowest price.

Free auto insurance quotes

Most larger insurance companies such as Allstate, GEICO and Progressive give prices direct online. Comparing prices online doesn’t take much effort as you just enter into a form. Once you submit the form, their system will obtain credit information and your driving record and provides a quote based on many factors.

This helps simplify price comparisons, but the time it takes to visit many different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you want to get lower prices.

The quickest way to find cheaper rates makes use of a single form to get prices from more than one company. It saves time, reduces the work, and makes online quotes much easier. As soon as you send your information, your coverage is rated and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and find out how much you can save on auto insurance, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with the coverages exactly as shown on your declarations page. Doing this guarantees you’re receiving rate comparison quotes based on similar coverages.

Insurance companies offer many types of discounts

Companies don’t necessarily list all their discounts very well, so here is a list some of the more common as well as some of the hidden credits that you can use to lower your rates. If you do not double check each discount you qualify for, you’re paying more than you need to.

  • Driving Data Discount – Drivers that enable driving data submission to look at vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less because new vehicles are generally safer.
  • Low Mileage Discounts – Low annual miles can earn cheaper rates.
  • Clubs and Organizations – Being in certain professional organizations could trigger savings when shopping for insurance.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on Malibu coverage.

You should keep in mind that most credits do not apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

A few popular companies and some of the premium reductions they offer include:

  • GEICO may offer discounts for air bags, daytime running lights, federal employee, emergency military deployment, good student, and membership and employees.
  • MetLife policyholders can earn discounts including defensive driver, good driver, claim-free, accident-free, and good student.
  • State Farm offers premium reductions for student away at school, good student, good driver, multiple autos, passive restraint, and anti-theft.
  • Progressive offers discounts for online signing, multi-policy, continuous coverage, multi-vehicle, homeowner, and online quote discount.
  • Mercury Insurance may have discounts that include age of vehicle, professional/association, accident-free, good driver, location of vehicle, anti-theft, and annual mileage.
  • 21st Century discounts include theft prevention, 55 and older, teen driver, anti-lock brakes, and good student.
  • Allstate has discounts for senior citizen, auto/life discount, 55 and retired, passive restraint, good payer, new car, and anti-lock brakes.

Check with each company or agent to apply every possible discount. All car insurance discounts may not apply in your area. If you would like to see a list of providers that offer multiple discounts, click here to view.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help you determine whether you might need professional guidance.

  • Am I covered when using my vehicle for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my babysitter covered when using my vehicle?
  • Is a blown tire covered by insurance?
  • How can I get high-risk coverage after a DUI?
  • Will my rates increase for filing one claim?
  • Do I need replacement cost coverage on my 2015 Chevy Malibu?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability – This will cover damage that occurs to people or other property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like emergency aid, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Chevy Malibu.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, chiropractic care, X-ray expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – Collision coverage will pay to fix damage to your Malibu resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch, colliding with a tree and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.