2008 Chevrolet Malibu Classic Insurance Rates

Finding cheaper insurance for your Chevy Malibu Classic can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to quote coverages for a Chevy and find the lowest price.

Cheap car insurance

Finding cheaper car insurance quotes can be quick and easy. All that’s required is to invest a little time getting comparison quotes to find out which insurance company has low cost car insurance quotes. Rate comparisons can be done in just a few minutes using one of these methods.

1. If you are pressed for time, the simplest way to get quotes is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quotation requests to each individual car insurance company. One quote request gets you coverage quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
2. A less efficient way to find better pricing is to manually visit each company’s website and fill out a new quote form. For instance, we’ll pretend you need rates from Liberty Mutual, Esurance and Geico. You would have to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
3. If you have time to kill, the last way to do your price quoting is to spend time driving to local insurance agencies. Comparing rates online eliminates the middleman unless your situation requires the trained guidance that can only be provided by a licensed insurance agent. Although, it is possible comparison shop your insurance online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just be certain you are entering apples-to-apples coverages on every quote you get. If each company quotes mixed coverages it’s not possible to determine the best price for your Chevy Malibu Classic.

Auto insurance policy discounts you can’t miss

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden discounts that may be available.

• Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Malibu Classic insurance than drivers with accident claims.
• Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course if offered at their school.
• Defensive Driver – Passing a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
• Organization Discounts – Joining qualifying employment or professional organizations could trigger savings on auto insurance.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck. But any discount will definitely reduce the amount you pay for coverage.

The best auto insurance companies and some of their more popular discounts are shown below.

• The Hartford offers premium reductions for good student, driver training, anti-theft, air bag, bundle, and defensive driver.
• American Family includes discounts for good student, air bags, TimeAway discount, bundled insurance, Steer into Savings, multi-vehicle, and good driver.
• Progressive has savings for multi-policy, homeowner, continuous coverage, multi-vehicle, online quote discount, and online signing.
• Travelers offers discounts including new car, payment discounts, save driver, multi-policy, and continuous insurance.
• Farmers Insurance may offer discounts for teen driver, youthful driver, switch companies, good student, business and professional, and early shopping.
• USAA offers discounts for driver training, loyalty savings, military installation, new vehicle, and family discount.
• Liberty Mutual policyholders can earn discounts including good student, new move discount, safety features, new vehicle discount, newly married, and hybrid vehicle.

If you need cheap car insurance quotes, ask every prospective company which discounts you may be entitled to. Some credits may not apply to policyholders in every state. If you would like to view companies with the best discounts, click this link.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might point out if your situation will benefit from professional help.

• What is covered by UM/UIM coverage?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when using my vehicle for business?
• Should I put collision coverage on all my vehicles?
• Can I get a multi-policy discount?
• Can I rent a car in Mexico?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Malibu Classic.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, loss of income and medical expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses like pain medications, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, hail damage, theft, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision insurance covers damage to your Malibu Classic from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, rolling your car, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.