Lower Your 1999 Chevrolet Malibu Insurance Rates

I can’t think of a single person who enjoys paying for car insurance, especially when they are paying too much. Because there are so many car insurance companies to choose from, it can be diffult for consumers to locate the most affordable provider.

It’s a good habit to compare rates every six months because rates tend to go up over time. Even if you got the best price on Malibu coverage a year ago the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn some great ways to reduce your car insurance bill.

Cut your premium with discounts

Car insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Student in College – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Malibu coverage than drivers with accident claims.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Payment Method – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.

Keep in mind that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

A partial list of companies that may offer some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Discounts may not apply in your state.

Quick Auto Insurance Quotes

There are multiple methods to shop for 1999 Chevy Malibu auto insurance, but one way is more efficient than others. You could spend your day talking to insurance companies in your area, or you can utilize online quoting to get prices fast.

Most car insurance companies take part in a program where prospective buyers enter their coverage request one time, and each company then returns a price quote based on that data. This prevents consumers from doing quotation requests to every company.

To find out what other companies charge for 1999 Chevy Malibu insurance click here (opens in new window).

One minor caviat to getting quotes like this is you don’t know exactly which companies you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a page of auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using identical coverage limits on every quote you get. If your comparisons have mixed coverages it will be next to impossible to determine the best price for your Chevy Malibu.

What is the best insurance coverage?

When buying adequate coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I get my company to pay me more for my totalled car?
  • Will my insurance pay for OEM parts?
  • When can I cancel my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do all my vehicles need collision coverage?
  • When should I buy a commercial auto policy?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy coverages for a Chevy Malibu

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, EMT expenses, doctor visits, nursing services and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your Malibu from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Malibu.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, hitting a deer, fire damage, falling objects and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – Liability insurance will cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as medical expenses, legal defense fees, structural damage, attorney fees and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Saving money is sweet as honey

Low-cost 1999 Chevy Malibu insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just showed you some good ideas how to shop for insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on insurance is with the least-expected company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

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