Compare 2000 Chevrolet Malibu Insurance Cost

Searching for cheaper insurance for your Chevy Malibu can be a lot of work, but you can use these tips to make it easier. There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Chevy and find the cheapest rates from local insurance agents and online providers.

If you have a current insurance policy or are looking for a new policy, you can use these tips to find the best rates and possibly find even better coverage. Finding the best protection is simple if you know the tricks. Drivers only need to know the best way to find the lowest price online.

Low Cost Insurance Coverage

Cutting your insurance coverage rates doesn’t have to be difficult. Just take a few minutes comparing rates online from several insurance companies. This is very easy and can be done in several different ways.

  1. The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. One quote request will get you rate comparisons instantly. It’s definitely the quickest method.
  2. A harder way to get quotes online requires visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s say you want to compare rates from USAA, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

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

  3. The hardest method of comparing rate quotes is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the personal advice of a local agent. However, consumers can get prices online and get advice from an agent in your area and we’ll talk about that later.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

How much car insurance do I need?

When it comes to buying the best insurance coverage coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • When should I not file a claim?
  • Why am I required to buy high-risk coverage?
  • Do I need replacement cost coverage on my 2000 Chevy Malibu?
  • Does my medical payments coverage pay my health insurance deductible?
  • If my pet gets injured in an accident are they covered?
  • Who is covered when they drive my 2000 Chevy Malibu?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a bird, theft, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses for funeral costs, nursing services, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2000 Chevy Malibu.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability insurance – Liability insurance will cover damages or injuries you inflict on people or other property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as court costs, pain and suffering, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Malibu resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.