How Much Does 2000 Chevrolet Malibu Car Insurance Cost?

Trying to find low-cost insurance for a Chevy Malibu can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy auto insurance and you need to know the quickest way to compare rates on a Chevy and get the lowest possible price from both online companies and local agents.

If you have a policy now or are just looking to switch companies, you can learn to shop for the lowest rates and possibly find even better coverage. Pricing cheaper protection is simple if you know the tricks. Drivers just need to learn the best way to compare company rates online.

The method we recommend to compare insurance rates in your area is to realize most of the larger companies participate in online systems to compare their rates. The only thing you need to do is give them rating details including how your vehicles are used, an estimate of your credit level, if you’re married, and driver ages. That rating information is then submitted to many different companies and you should receive rate quotes with very little delay.

If you wish to get multiple quotes for your 2000 Chevy Malibu now, click here and find out if lower rates are available.

Are you qualifying for every discount?

Some companies do not list all disounts very well, so the following is a list of both the well known in addition to some of the lesser obvious insurance savings.

  • New Vehicle Savings – Buying insurance coverage on a new vehicle can be considerably cheaper since new vehicles are generally safer.
  • Good Driver Discount – Safe drivers may save up to 50% more on Malibu insurance compared to accident prone drivers.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the medical payments premium.
  • Distant Student Discount – Older children who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower rates.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • No Accidents – Insureds who avoid accidents and claims pay less in comparison with accident-prone drivers.

A quick disclaimer, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and the discounts they provide are included below.

  • Esurance has discounts for anti-lock brakes, paid-in-full, online quote, claim free, and safety device.
  • The Hartford offers discounts for driver training, defensive driver, anti-theft, bundle, vehicle fuel type, and good student.
  • AAA has savings for good student, education and occupation, multi-car, anti-theft, good driver, pay-in-full, and multi-policy.
  • Geico policyholders can earn discounts including defensive driver, federal employee, multi-vehicle, military active duty, daytime running lights, air bags, and driver training.
  • State Farm offers discounts including accident-free, Steer Clear safe driver discount, defensive driving training, driver’s education, and passive restraint.

If you are trying to find the cheapest insurance quotes, ask every company how you can save money. Savings may not be available everywhere. If you would like to see a list of companies who offer online insurance quotes, click here to view.

Why informed drivers pay less for Chevy Malibu insurance

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. When you understand what impacts premium levels, this enables you to make decisions that may result in much lower annual insurance costs. Multiple criteria are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but other factors are not as apparent such as whether you are married or your vehicle rating.

  • Better rates with anti-theft devices – Selecting a car model with advanced anti-theft systems can help bring down rates. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
  • Multiple policies with one company can save – Lots of insurance companies give discounts to people who buy several policies from them in the form of a multi-policy discount. The discount can be ten percent or more. Even with this discount applied, it’s always a smart idea to compare rates to help ensure you have the lowest rates.
  • High credit rating translates to low rates – Credit score can be a huge factor in determining what you pay for insurance coverage. Drivers with good credit tend to be more responsible and file fewer claims than drivers who have poor credit scores. Therefore, if your credit rating leaves room for improvement, you could potentially save money when insuring your 2000 Chevrolet Malibu by taking the time to improve your credit score.
  • Insurance is expensive for youthful drivers – Drivers with little experience are statistically shown to be inattentive when behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, cause fewer claims and accidents and receive fewer citations.
  • Traffic violations can be expensive – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Even one chargable violation can increase the cost of insurance by as much as thirty percent. People who have severe tickets like hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Safer cars are cheaper to insure – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles reduce injuries and fewer serious injuries means less claims paid and thus lower rates.
  • Low mileage costs less – The more you drive your Chevy in a year’s time the higher the price you pay to insure it. A lot of insurance companies calculate rates based on their usage. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage coverage reflects the right rating data. Incorrect rating for your Malibu is just wasting money.

When in doubt talk to an agent

When it comes to buying the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Can I afford low physical damage deductibles?
  • What happens if I owe more than my 2000 Chevy Malibu is worth?
  • Is my ex-spouse still covered by my policy?
  • Does my car insurance cover rental cars?
  • What is high-risk coverage and where do I buy it?

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. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Learning about specific coverages of insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, loss of income, attorney fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like X-ray expenses, nursing services, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass, damage from flooding, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This coverage covers damage to your Malibu caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, crashing into a ditch, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

What is YOUR best insurance company?

You just learned a lot of techniques to reduce 2000 Chevy Malibu insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost insurance. Drivers may discover the lowest prices come from the smaller companies.

A few companies don’t offer the ability to get a quote online and these small, regional companies only sell through local independent agents. Cheaper 2000 Chevy Malibu insurance is definitely available from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis.

Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, denial of a claim and high rates after DUI convictions. Whatever your reason, finding a new company can be pretty painless.

Much more information about auto insurance is available on the following sites: