Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you. Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a company and get the best coverage at the cheapest price
Discounts are available to cut your rates
Auto insurance companies don’t always list every discount in a way that’s easy to find, so here is a list some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Federal Government Employee – Active or retired federal employment may qualify you for a discount on Malibu Classic coverage with certain companies.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
- Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
- Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
It’s important to understand that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
To see a list of providers with discount car insurance rates, follow this link.
How to Compare Car Insurance Rates
All major car insurance companies provide coverage prices online. This process is quite simple as you just type in the coverages you want as requested by the quote form. Once you submit the form, their rating system requests your credit score and driving record and provides a quote. Online price quotes 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. But it is imperative to perform this step in order to get the lowest car insurance rates.
An easier way to get multiple rate quotes uses one simple form that gets prices from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online price comparison a lot less work. As soon as you send your information, it is quoted and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.
To quickly compare pricing, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you copy the coverage information identical to your current policy. Using the same limits helps guarantee you’re receiving a fair comparison based on similar coverages.
Chevy Malibu Classic rates are in the details
An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower car insurance prices.
The list below includes a partial list of the pieces companies use to determine your rates.
- Performance influences rates – The type of car you own makes a big difference in determining your rates. The most favorable rates are usually for economy passenger cars, but the final cost of insurance is determined by many other factors. Since the Chevrolet Malibu Classic is considered a passenger car, insurance will be similar in price or lower as compared to the average rate.
- Traffic citations inflate rates – Good drivers have lower premiums than bad drivers. Just one citation can increase rates by as much as thirty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to continue driving.
- Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. It will provide for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
- Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both cause accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
- You might want pay the small claims yourself – If you frequently file small claims, you can expect higher rates. Insurance companies generally give cheaper rates to insureds who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
- Extra coverages can waste money – There are a lot of extra coverages that you can get tricked into buying on your car insurance policy. Coverages like rental car reimbursement, accidental death and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
Shop smart and save
Affordable Chevy Malibu Classic insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
In this article, we covered many ideas to save on Chevy Malibu Classic insurance. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.
