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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites likeThe ManifestandVice, and he is the author of a novel ...
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Written byJeffrey Johnson
UPDATED: Apr 20, 2022
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Trying to find cheaper auto insurance rates for your Chevrolet Malibu? Nobody I know gets a kick out of paying for auto insurance, especially when the cost is too high. With so many choices of insurance companies, it can be hard to pick a more affordable auto insurance provider.
With a little research, you can find the best car insurance rate in your state for a Malibu.
Table of Contents
Understanding Car Insurance Coverage
When buying the right insurance coverage for your personal vehicles, there is no cookie-cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation could use an agent’s help.
- Who is covered when they drive my 2017 Chevy Malibu?
- Should I rate my 2017 Chevy Malibu as pleasure use or commute?
- Is my business laptop covered if it gets stolen from my vehicle?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Will my insurance pay for OEM parts?
- How can I get high-risk coverage after a DUI?
- How can I find cheaper teen driver insurance?
- Will filing a claim cost me more?
- Am I covered when driving on a suspended license?
- How high should my uninsured/underinsured coverage be in my state?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent.
Chevrolet Malibu Auto Insurance Coverage Options
Learning about specific coverages of an auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.
Liability coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means you have a $50,000 limit per person for 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.
Liability insurance covers things like attorney fees, medical services, and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.
Medical Payments and PIP Coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for funeral costs, EMT expenses, and X-ray expenses. They can be used to fill the gap in your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
This coverage pays for damage to your Malibu from colliding with a stationary object or another vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as sustaining damage from a pothole, backing into a parked car, colliding with another moving vehicle, rolling your car, and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower-value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Comprehensive coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, vandalism, damage from getting keyed, and rock chips in the glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist Coverage
Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Chevy Malibu.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Shop Smart and Save on Chevrolet Malibu Auto Insurance
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. The aim is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.
In this article, we presented a lot of information on how to get a better price on 2017 Chevy Malibu insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. Drivers may discover the best price on car insurance is with the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.
A few companies may not have price quotes online and these small insurance companies only sell through local independent agents. Budget-conscious 2017 Chevy Malibu insurance is attainable from both online companies and from local insurance agents, and you should compare rates from both to get a complete price analysis.
Discount Chevrolet Malibu Car Insurance
Companies offering auto insurance don’t always list every discount available very clearly, so we took the time to find a few of the more common and also the more inconspicuous credits that may apply to you.
- Drivers Education — Have your child complete a driver education course in school.
- Discount for Good Grades — This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
- Lower Rates for Military — Having an actively deployed family member could be rewarded with lower car insurance rates.
- Telematics Devices — Insureds who allow their company to track when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
- New Car Discount — Insuring a vehicle that is new can save up to 30% due to better safety requirements for new vehicles.
- Claim Free — Drivers who stay claim-free can earn big discounts in comparison with bad drivers.
- Senior Discount — If you qualify as a senior citizen, you can get a slight reduction on an insurance quote on Malibu insurance.
- ABS and Traction Control Discounts — Vehicles with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
- Employee of Federal Government — Federal government employees could provide a small rate reduction on Malibu insurance with certain companies.
Just know that most of the big markdowns will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
A few popular companies and some of the discounts are outlined below.
- State Farm policyholders can earn discounts including safe vehicle, accident-free, Drive Safe & Save, defensive driving training, and driver’s education.
- GEICO offers premium reductions for membership and employees, anti-theft, anti-lock brakes, air bags, defensive drivers, multi-policy, and military active duty.
- Progressive offers discounts for online quote discounts, continuous coverage, online signing, homeowner, multi-vehicle, good student, and multi-policy.
- 21st Century has discounts for 55 and older, driver training, early bird, homeowners, air bags, defensive driver, and automatic seat belts.
- American Family has savings for multi-vehicle, bundled insurance, Steer into Savings, accident-free, mySafetyValet, and good driver.
- The Hartford includes discounts for a bundle, good student, air bag, vehicle fuel type, and defensive driver.
- AAA discounts include education and occupation, good driver, AAA membership discount, good student, anti-theft, multi-car, and pay-in-full.
Check with all the companies to find out which credit you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere.