Save on 2004 Chevrolet Malibu Maxx Insurance Quotes

Looking for lower insurance rates for your Chevrolet Malibu Maxx? Have you fallen victim to high-priced insurance? Trust us when we tell you you’re not alone. Popular companies such as Progressive, Geico and Farmers Insurance continually hit you with catchy ads and it can be hard to ignore the flashy ads and find the best price available.

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices can take hours if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize online quoting for quick rates.

Many companies belong to an insurance system where prospective buyers submit one quote, and each company can give them a price determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of system is you don’t know exactly the companies to get pricing from. So if you want to choose individual companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever way you use, be sure to compare identical quote information on every quote. If the quotes have different values for each quote it will be very difficult to make an equal comparison.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if you may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Is my teen driver covered when they drive my company car?
  • Should I waive the damage coverage when renting a car?
  • Is my trailer covered?
  • Am I covered if I hit a deer?
  • Should I buy additional glass protection?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage 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 such as hail damage, hitting a deer and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like EMT expenses, X-ray expenses and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Malibu Maxx.

Because many people 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 should not be overlooked.

Liability insurance – This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage – This covers damage to your Malibu Maxx from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.