Cheap 1999 Chevrolet Malibu Insurance Rates

Want cheaper insurance coverage rates for your Chevrolet Malibu? Nobody I know looks forward to buying insurance coverage, in particular when they are paying too much. Having so many options, it is hard for the average consumer to pick the lowest cost car insurance company.

Consumers need to take a look at other company’s rates yearly since rates are variable and change quite frequently. Despite the fact that you may have had the best price on Malibu insurance two years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money.

Shopping for the cheapest protection is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Drivers just need to know the best way to compare price quotes online.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but some must be specifically requested before you get the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break on your policy on Malibu insurance.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you can get free auto insurance, you’re out of luck. But any discount will help reduce your premiums.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply everywhere.

What coverages do I need?

When choosing the best insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • What is covered by UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • What is the rate difference between pleasure use and commuting?
  • How do I insure my teen driver?
  • Are my friends covered when driving my car?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP coverage since I have good health insurance?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Beware of misleading car insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. They all seem to make an identical promise that you’ll save big if you switch your policy.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a driver they prefer could be over the age of 50, has no tickets, and drives newer vehicles. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don’t qualify for the requirements will have to pay more money and ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can advertise the way they do.

Because of the profiling, drivers must get as many quotes as possible. It’s not possible to predict the company that will have the lowest Chevy Malibu insurance rates.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like chiropractic care, pain medications, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, vandalism and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Malibu.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as court costs, funeral expenses and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Malibu from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

A penny saved is a penny earned

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned many ways to save on 1999 Chevy Malibu insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Much more information about auto insurance is located below: