2010 Chevrolet Malibu Car Insurance Quotes – 9 Savings Tips

Want the cheapest insurance coverage rates for your Chevrolet Malibu? Finding better rates for insurance coverage is a challenge for consumers not familiar with shopping for insurance online. There are so many options that it can quickly become a real hassle to find lower rates.

It’s a great practice to get comparison quotes occasionally since insurance rates change frequently. Even if you got the best deal on Malibu coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the tricks you need to know to properly buy coverages while reducing your premium.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Pricing affordable protection is not that difficult. But car owners do need to understand how insurance companies price online insurance.

How much can you save with these nine discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at quote time, but a few must be asked about before you will receive the discount.

  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
  • 55 and Retired – Mature drivers may qualify for better insurance rates on Malibu coverage.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for discounted rates on garaged vehicles.

It’s important to understand that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.

Car insurance companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts might not be offered in your state.

Low Cost Car Insurance

All major car insurance companies such as State Farm and Allstate allow you to get insurance quotes directly from their websites. The process is pretty easy as you just type in your personal and coverage information into the quote form. When complete, the company’s rating system makes automated requests for your driving record and credit report and quotes a price based on many factors.

This helps simplify price comparisons, but the process of having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it’s very important to have as many quotes as possible in order to get the best price possible.

Rate comparisons made easy

The smarter way to lower your car insurance bill makes use of a single form to get prices from more than one company. This type of form saves time, requires much less work on your part, and makes online shopping much easier. As soon as the form is sent, it is rated and you can choose your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.

To save time and get comparison pricing now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you’re receiving rate comparison quotes for exact coverage.

How much car insurance do I need?

When it comes to buying the best insurance coverage coverage, there isn’t really a one size fits all plan. Each situation is unique.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • How high should deductibles be on a 2010 Chevy Malibu?
  • How can I force my company to pay a claim?
  • Why am I required to get a high-risk car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Misconceptions in insurance advertisements

Insurance companies such as State Farm and Allstate consistently run ads in print and on television. They all seem to make an identical promise of big savings if you change to their company. But how can every company say the same thing?

Different companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer might be a mature driver, owns a home, and has a high credit rating. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to these standards will have to pay a higher premium and ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings.

Because of the profiling, you should quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings on Chevy Malibu insurance.

Insurance coverage options for a 2010 Chevy Malibu

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Chevy Malibu.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, prosthetic devices, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers 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 coverage pays for claims like a tree branch falling on your vehicle, falling objects and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This covers damage to your Malibu caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, rolling your car, hitting a parking meter, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.


This will cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, medical services, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

And the best car insurance company is…

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In many instances, someone dropped full coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Consumers change insurance companies for any number of reasons including policy non-renewal, denial of a claim, unfair underwriting practices or even poor customer service. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

Cheap 2010 Chevy Malibu insurance is available online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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