Compare 1998 Chevrolet Malibu Car Insurance Cost

Trying to find lower auto insurance rates for your Chevrolet Malibu? Do you think you bought overpriced auto insurance? Don’t feel bad because there are many drivers thinking the same thing. Popular companies such as Progressive, State Farm and GEICO continually bombard you with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.

Smart consumers take time to check auto insurance prices occasionally due to the fact that insurance prices tend to go up over time. Even if you think you had the best quotes for Malibu insurance six months ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because we’re going to show you the best way to save on auto insurance.

If you have insurance now or are looking for a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the most effective way to compare price quotes over the internet.

Car Insurance Discounts

Some companies do not advertise every available discount very well, so the below list has some of the best known and the more hidden credits available to you. If you do not check that you are getting every discount you qualify for, you are throwing money away.

  • Professional Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your bill.
  • Life Insurance – Some insurance companies give a small discount if you purchase some life insurance too.
  • Senior Citizens – Seniors could receive a slight reduction on a car insurance quote for Malibu insurance.
  • Early Renewal Discounts – A few companies give discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote car insurance for Malibu insurance with select insurance companies.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount due to better safety requirements for new model year vehicles.
  • Data Collection Discounts – Drivers that enable companies to study driving patterns by using a telematic data system like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you may save nearly 15% which can help you find low cost car insurance.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower car insurance rates.

You should keep in mind that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the larger companies who may offer some of the above discounts may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to each company to give you their best rates. Some discounts listed above may not apply to policies in every state.

The best way we recommend to compare car insurance company rates is to know the fact most larger insurance companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is provide information like if you require a SR-22, the type of vehicles you drive, if it has an alarm system, and deductibles desired. Your details is automatically sent to multiple companies and they return cost estimate quickly.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • Is there coverage for injuries to my pets?
  • I have health insurance so do I need medical payments coverage?
  • What discounts do I qualify for?
  • When should I drop full coverage on my 1998 Chevy Malibu?
  • Exactly who is provided coverage by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my babysitter drive my car?
  • Is business equipment covered while in my vehicle?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Liability coverages – This coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, crashing into a building, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1998 Chevy Malibu.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for nursing services, doctor visits, ambulance fees, pain medications and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

A penny earned…

Some car insurance companies do not offer rates over the internet and these regional insurance providers provide coverage only through independent insurance agents. Lower-priced car insurance can be purchased both online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates.

You just read a lot of ways to reduce 1998 Chevy Malibu insurance auto insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding low cost car insurance. Drivers may discover the best auto insurance rates are with the least-expected company. These companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

More detailed car insurance information can be found in these articles: