Drivers Who Know These Tricks Save More on Chevy Malibu Insurance

Shoppers have a choice when shopping for the lowest priced Chevy Malibu insurance. You can either spend your time driving around to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to price shop coverage for a new or used Chevy and find the lowest possible price from both online companies and local agents.

You should take the time to price shop coverage quite often because insurance rates are usually higher with each renewal. Even if you think you had the lowest rates on Malibu coverage a few years ago you may be paying too much now. There is a lot of bad advice regarding auto insurance on the internet, so I’m going to show you some of the best ways to reduce your auto insurance bill.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. The purpose of this post is to introduce you to the best way to quote coverages. But car owners can benefit by having an understanding of how big insurance companies market on the web and take advantage of how the system works.

Auto Insurance Comparison Rates

When shopping for auto insurance there are multiple ways to get quotes from auto insurance companies in your area. The easiest way by far to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in several different ways.

  • The most efficient way to get quotes for comparison is a comparison rater form click here to open form in new window. This form prevents you from having to do a different quote to each individual auto insurance company. A single, simple form gets you coverage quotes from multiple companies.It’s the quickest way to get rates.
  • A harder way to compare rate quotes is spending the time to visit each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want comparison quotes from Liberty Mutual, 21st Century and Allstate. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same deductibles and coverage limits on every quote. If each company quotes differing limits it will be very difficult to make an equal comparison. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, quoting more helps you find the best price.

Save money by taking advantage of these discounts

Auto insurance companies do not list every available discount very clearly, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on your policy on Malibu coverage.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Malibu coverage with select insurance companies.
  • Homeowners Pay Less – Owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Military Rewards – Having a family member in the military can result in better rates.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

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Impacting insurance rates for a Chevy Malibu

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” used by your company to calculate rates.

  • Add-on coverages can add up – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more expense you’re willing to pay, the bigger discount you will receive on Malibu coverage.
  • Marriage pays dividends – Having a spouse can get you a discount on auto insurance. It translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • More than one policy can earn a discount – Most companies give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to shop around to ensure the best deal.
  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Chevy Malibu scored better than four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Older drivers save more – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher.

When should I use an insurance agent?

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • What is the difference between comprehensive and collision coverage?
  • Is rental equipment covered for theft or damage?
  • Do I need higher deductibles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Is there truth in advertising?

Auto insurance companies such as Allstate and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings if you change your policy. How does each company claim to save you money? This is how they do it.

Different companies have a preferred profile for the right customer that is profitable for them. An example of a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and chooses high deductibles. Any driver who meets those qualifications receives the best rates and most likely will save quite a bit of money when switching.

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Drivers who do not match these standards will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much money. That’s the way companies can truthfully state the savings. Because of the profiling, you need to get as many quotes as possible. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

In the end, you save

Cost effective Chevy Malibu insurance can be purchased from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When shopping online for auto insurance, never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that it was a big error on their part. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we covered some good ideas how to get a better price on Chevy Malibu insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from some of the lesser-known companies.