Cheap 2014 Chevrolet Malibu Insurance Cost

Feel like you’re a prisoner to overpriced insurance coverage? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Insurance companies such as GEICO and Progressive all promote huge savings with ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

The best way we recommend to compare rate quotes is to take advantage of the fact auto insurance companies participate in online systems to quote your coverage. The one thing you need to do is provide a little information such as whether you have decent credit, the make and model of your vehicles, how much you drive, and if the vehicle is leased. The data is then sent to many different companies and you receive quotes quickly.

To get price quotes for your 2014 Chevy Malibu now, click here and find out if you can get cheaper insurance.

Insurance coverage policy discounts

Companies offering auto insurance do not advertise all possible discounts very clearly, so the next list breaks down a few of the more well known and the more hidden credits available to you.

• Include Life Insurance and Save – Select insurance companies reward you with lower insurance coveragerates if you buy auto and life insurance together.
• Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates for Malibu coverage compared to accident prone drivers.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
• Own a Home – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof of financial responsibility.
• Distant Student Discount – Children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
• Federal Employees – Federal government employees could provide a small rate reduction for Malibu coverage with select insurance companies.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on a single policy qualifies for this discount.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

The best insurance coverage companies and some of the premium reductions they offer are included below.

• State Farm has discounts for defensive driving training, Steer Clear safe driver discount, anti-theft, safe vehicle, and multiple policy.
• GEICO includes discounts for five-year accident-free, defensive driver, good student, military active duty, anti-lock brakes, and multi-policy.
• Liberty Mutual discounts include exclusive group savings, safety features, good student, new graduate, hybrid vehicle, and multi-car.
• The Hartford offers premium reductions for air bag, vehicle fuel type, good student, bundle, and anti-theft.
• MetLife may offer discounts for good student, accident-free, multi-policy, good driver, defensive driver, and claim-free.
• Progressive may have discounts that include homeowner, multi-vehicle, online quote discount, continuous coverage, good student, and online signing.

Check with all companies you are considering to give you their best rates. A few discounts might not be offered in your state. For a list of insurance coverage companies offering insurance coverage discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether you will benefit from professional help.

• Is my teen driver covered when they drive my company car?
• Does my personal policy cover me when driving out-of-state?
• Can I get a multi-policy discount?
• Should I buy only the required minimum liability coverage?
• Is my camper covered by my car insurance policy?
• Am I covered if I drive in a foreign country?
• Is business property covered if stolen from my car?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses like hospital visits, ambulance fees and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your Malibu resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.