2004 Chevrolet Malibu Maxx Insurance Rates – 10 Tips for Cheaper Quotes

Searching for lower car insurance rates for your Chevrolet Malibu Maxx? Locating low-cost insurance for a Chevy Malibu Maxx can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to shop for car insurance so you’re going to learn the best way to compare rates for a new or used Chevy and get the lowest price.

It is always a good idea to do price comparisons before your policy renews because prices trend upward over time. Despite the fact that you may have had the best deal for Malibu Maxx insurance a few years ago a different company probably has better rate quotes today. Ignore everything you know about car insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

Finding the best rates is quite easy. If you have insurance now or need new coverage, you can use this information to find the best rates and still get good coverage. Vehicle owners just need to understand the best way to get comparison quotes over the internet.

Buy auto insurance online

Lowering your 2004 Chevy Malibu Maxx auto insurance rates is not a difficult process. You just have to spend a few minutes comparing free insurance coverage quotes to see which company has low cost insurance coverage quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The simplest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for each company. Completing one form gets prices estimates from several companies. This is perfect if you don’t have a lot of time.
  2. Another way to compare prices is spending the time to visit each company website to request a price quote. For instance, let’s assume you want to compare Liberty Mutual, 21st Century and GEICO. In order to get each rate, you would have to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare nearly identical coverages on every quote you get. If you enter different liability limits it will be nearly impossible to decipher which rate is best.

Big brands don’t always mean big savings

Drivers can’t ignore all the ads for cheaper insurance coverage by companies like Allstate, GEICO and Progressive. All the ads advertise the message that you can save if you switch your policy.

But how can every company make the same claim?

Insurance providers have specific characteristics for the right customer that earns them the highest profit. For example, a profitable insured should be a married female, is a homeowner, and has great credit. Any driver who matches that profile will qualify for the lowest premium rates and therefore will save if they switch.

Potential customers who do not fit the ideal profile may be required to pay higher prices which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can make those claims. Because every company is different, you absolutely need to do a quote comparison often. Because you cannot predict which insurance coverage company will give you the biggest savings.

Find discounts to get cheap auto insurance rates

Insurance can be prohibitively expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but less common discounts must be requested specifically prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Home Ownership Discount – Owning a home can earn you a little savings because owning a home requires a higher level of personal finance.
  • Telematics Data Discounts – Insureds that choose to allow their company to look at driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive may see discounts if they have good driving habits.
  • College Student – Kids who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for Malibu Maxx insurance but check with your company.
  • Smart Student Discounts – This discount may save you up to 25%. The discount lasts up to age 25.
  • Military Deployment Discount – Having an actively deployed family member may lower your rates slightly.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Early Switch Discount – Select larger companies give a discount for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Paperwork-free – Many companies will provide an incentive for signing up over the internet.

It’s important to note that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount should help reduce your policy cost.

Auto insurance companies that may include most of these discounts include:

It’s a good idea to ask each company or agent which discounts can lower your rates. Some discounts listed above may not be available in your state. To choose insurance companies who offer free auto insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • What is an SR-22 filing?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford low physical damage deductibles?
  • Is my custom paint covered by insurance?
  • Is extra glass coverage worth it?
  • Am I insured when driving a different vehicle?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance covers damage to your Malibu Maxx caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2004 Chevy Malibu Maxx.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, funeral expenses, bail bonds and attorney fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, doctor visits, dental work and funeral costs. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

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

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism, a broken windshield and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Have money to burn

People change insurance companies for a number of reasons such as policy cancellation, delays in responding to claim requests, delays in paying claims and being labeled a high risk driver. It doesn’t matter why you want to switch switching car insurance companies is easier than you think.

Some car insurance companies may not provide online rate quotes and most of the time these small, regional companies sell through independent agents. Discount 2004 Chevy Malibu Maxx insurance can be bought on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money.

We just covered many tips how you can reduce 2004 Chevy Malibu Maxx insurance auto insurance rates online. The key thing to remember is the more times you quote, the better likelihood of getting cheap insurance coverage. You may even discover the best auto insurance rates are with a company that doesn’t do a lot of advertising.

Additional information