Cheaper 2012 Chevrolet Malibu Insurance Quotes

Shoppers have options when shopping for affordable Chevy Malibu insurance. They can either waste time driving around to get rate comparisons or leverage the internet to make rate comparisons. There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Chevy and get the best price possible from both online companies and local agents.

Consumers need to compare rates at least once a year since insurance rates are constantly changing. Even if you got the best rates for Malibu coverage a few years ago other companies may now be cheaper. So just ignore everything you know about car insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.

If you are insured now or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. This information will instruct you on how to get online quotes and some money-saving tips. Consumers just need to know the best way to get comparison rates online.

Comparison of Auto Insurance

There are several ways to compare Chevy Malibu auto insurance prices but one way is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in your area, or you could save time and use online quoting to get prices fast.

Most major companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company returns a rated price based on that data. This system prevents you from having to do quote requests for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to comparing rates this way is buyers cannot specifically choose which companies you want to price. If you would rather choose specific providers for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using the exact same coverage limits with each company. If the quotes have different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

Get lower rates on Chevy Malibu insurance

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we researched both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates when buying insurance for Malibu coverage.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Senior Discount – If you’re over the age of 55, you may receive better insurance rates for Malibu coverage.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.

Drivers should understand that some of the credits will not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous.

Insurance companies that may have these money-saving discounts are:

Before buying, ask each insurance company how you can save money. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • How high should deductibles be on a 2012 Chevy Malibu?
  • Is my Chevy Malibu covered if I use it for business?
  • Do I need replacement cost coverage on my 2012 Chevy Malibu?
  • What is no-fault insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, vandalism, damage from flooding and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2012 Chevy Malibu.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like rehabilitation expenses, X-ray expenses, funeral costs, chiropractic care and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, backing into a parked car, hitting a parking meter, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

Liability coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like loss of income, bail bonds, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.