Cheaper 2003 Chevrolet Malibu Insurance Rates

Looking for the cheapest car insurance rates for your Chevrolet Malibu? Tired of trying to scrape together enough money to pay high car insurance rates every month? You’re in the same situation as many other consumers. People have many insurance companies to pick from, and even though it’s nice to have multiple companies, more options can take longer to locate the cheapest rates.

It’s a great practice to do rate comparisons every six months because car insurance prices change frequently. Despite the fact that you may have had the best deal on Malibu coverage last year there may be better deals available now. Block out anything you think you know about car insurance because you’re about to find out the best way to get good coverage at a lower rate.

Low cost insurance prices

Most major insurance companies like Allstate, GEICO and Progressive allow consumers to get insurance quotes direct online. Obtaining pricing doesn’t take a lot of time as you simply type in your coverage information as detailed in the form. After you submit the form the company’s rating system obtains information on your driving record and credit history and returns a price quote based on these factors. Online price quotes makes it a lot easier to compare rates but having to visit several different sites and type in the same data is a big time waster. But it is imperative to have as many quotes as possible in order to get the lowest price.

The easy way to compare rates

A quicker way to find lower prices uses just one form that gets prices from many companies. This type of form saves time, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it gets priced with multiple companies and you can pick any of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and buy the policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To compare rates now, click here and complete the simple form. If you currently have coverage, we recommend you replicate as shown on your current policy. Doing this assures you will receive comparison quotes for exact coverage.

Drivers can save with with these discounts

Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Good Driver Discount – Drivers without accidents may save up to 50% more on Malibu coverage than less cautious drivers.
  • Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts can save 10% or more off the medical payments premium.
  • Resident Student – Children who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Driving Data Discount – Drivers who elect to allow their company to study driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more.
  • Senior Discount – Mature drivers may be able to get reduced rates on Malibu coverage.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount should definitely cut the cost of coverage.

Companies that have some of the discounts shown above include:

If you need the cheapest car insurance quotes, ask every company which credits you are entitled to. Discounts may not be available in your area.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might help in determining if you would benefit from professional advice.

  • When should I not file a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is medical payments coverage?
  • Who is covered when they drive my 2003 Chevy Malibu?
  • Does coverage extend to Mexico or Canada?
  • Why do I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Coverages available on your policy

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, a broken windshield and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, court costs, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like surgery, EMT expenses, rehabilitation expenses, doctor visits and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Malibu.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.