Lower Your 2005 Chevrolet Malibu Maxx Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Malibu Maxx? Tired of not being able to afford to pay your insurance bill each month? Your situation is no different than many other vehicle owners. Big-name insurance companies like Geico, Farmers Insurance and State Farm continually hit you with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need to know the proper way to get comparison quotes online.

Take policy discounts and save

Car insurance companies don’t always advertise every discount very clearly, so we took the time to find some of the more common as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Multiple Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of up to 20% off your total premium.
  • Driver’s Education for Students – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Federal Employees – Federal government employees may reduce rates when you quote auto insurance for Malibu Maxx coverage with some insurance companies.
  • Cautious Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote for Malibu Maxx coverage as compared to drivers with claims.
  • Passive Restraints and Air Bags – Cars that have air bags may get savings of up to 25% or more.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for insurance.
  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get a small decrease in premiums for Malibu Maxx coverage.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies that may offer these discounts include:

Before you buy a policy, ask every company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your state. To see providers with the best discounts, follow this link.

Affordable insurance coverage price quotes online

There are a lot of ways to compare insurance coverage quotes, but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you can utilize online quotes to achieve your goal.

Most major companies take part in a program where insurance shoppers submit their information once, and each company then returns a price quote for coverage. This prevents consumers from doing quote requests for each company.

To use this form to compare rates click here to start a free quote.

The one downside to comparing rates this way is that consumers can’t choose the providers to receive prices from. So if you want to choose specific insurance companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, be certain you are entering identical coverages and limits for every quote you compare. If the quotes have different limits and deductibles on each one it’s impossible to determine the best price for your Chevy Malibu Maxx.

Which policy gives me the best coverage?

When buying adequate coverage, there is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Do all my vehicles need collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Exactly who is provided coverage by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I still get insurance after a DUI?
  • How much liability insurance is required?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Coverage for liability

This can cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Malibu Maxx.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, funeral costs, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This coverage pays for damage to your Malibu Maxx 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 coverage protects against claims such as crashing into a ditch, backing into a parked car, driving through your garage door, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, rock chips in glass, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Have the Midas touch

We just showed you many ideas to reduce 2005 Chevy Malibu Maxx insurance premium rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting cheaper auto insurance. Consumers may even find the biggest savings come from a small mutual company. They may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage for the lowest cost.

More detailed car insurance information can be read by following these links: