Save on 2014 Chevrolet Malibu Insurance Quotes

Having to pay for overpriced Chevrolet Malibu insurance can drain your checking account and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer and get the definite best rates possible.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Buying car insurance is not rocket science. Vehicle owners just need to learn the tricks to shop for auto insurance online.

How to Compare Car Insurance

Reducing your 2014 Chevy Malibu insurance rates is not rocket science. The only thing you need to do is invest a few minutes to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

1. One of the simplest ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do separate quotes for each company you want a rate for. Taking the time to complete one form will get you price quotes from multiple companies.
2. A less efficient way to shop for car insurance online consists of going to the website for each individual company and complete a new quote form. For example, we’ll assume you want rates from State Farm, Safeco and Progressive. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

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

It doesn’t matter which method you choose, just make darn sure you compare exactly the same quote information on every quote you get. If you are comparing unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

When should I talk to an agent?

When buying the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions can help discover whether you could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Do I have coverage if my license is suspended?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my insurance cover my expensive audio equipment?
• Am I covered when driving in Canada or Mexico?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Should I drop comprehensive coverage on older vehicles?
• Is business property covered if stolen from my car?
• Are split liability limits better than a combined single limit?
• What if I owe more than I can insure my car for?

If it’s difficult to answer those questions, 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 only takes a few minutes and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, rehabilitation expenses, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2014 Chevy Malibu.

Since many drivers 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.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This covers damage to your Malibu from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability – This can cover injuries or damage you cause to other people or property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds, emergency aid, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.