No normal person looks forward to paying premiums for car insurance, especially when they are aware that it costs too dang much. Companies like Progressive, State Farm and GEICO constantly bombard you with ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.
It’s important to compare prices before your next renewal since insurance prices are constantly changing. Just because you had the best deal on Malibu coverage last year the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because you’re going to learn how to quote online to properly buy coverages and cut your premium.
Take policy discounts and save
Insuring your fleet can be pricey, but you might be missing out on some discounts that can help lower your rates. Most are applied at the time you complete a quote, but once in a while a discount must be specially asked for prior to receiving the credit.
- Savings for New Vehicles – Buying insurance on a new vehicle can save up to 30% compared to insuring an older model.
- Memberships – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
- Claim Free – Drivers who don’t have accidents pay less as compared to drivers with a long claim history.
- Resident Student – Kids who live away from home to go to college and do not take a car to college may be able to be covered for less.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
Insurance companies that may have most of the discounts above may include but are not limited to:
When getting , it’s a good idea to all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in Dallas. 
Which car insurance is cheapest in Dallas?
There are multiple methods you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance agencies in Dallas, or you could save time and use online quotes to achieve your goal.
Most car insurance companies participate in an industry program where prospective buyers submit their information once, and each company can provide price quotes. This saves time by eliminating form submissions for every car insurance company.
To compare pricing click here (opens in new window).
The only downside to pricing coverage this way is you can’t choose the companies to get pricing from. So if you want to choose from a list of companies to compare, we have assembled a list of the cheapest car insurance companies in Texas. View list of Texas insurance companies.
Which method you use is up to you, but ensure you are comparing equivalent information for every quote you compare. If you have different liability limits it will be nearly impossible to determine the best price for your Chevy Malibu in Dallas.
Chevy Malibu Insurance Premium Factors
Smart consumers have a good feel for some of the factors that help calculate your car insurance rates. If you have a feel for what impacts premium levels, this enables informed choices that could result in big savings. Lots of things are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are less obvious like where you live or your commute time.
- How old are your drivers? – Teenage drivers in Texas tend to be more careless when driving with friends so car insurance rates are higher. Mature drivers tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.
- Don’t abuse policy claims – Companies in Texas generally give most affordable rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
- Men drivers tend to cost more – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women cause accidents in similar percentages, but males have accidents that have higher claims. Men also get higher numbers of serious violations like reckless driving and DUI.
- Buy as much liability coverage as you can afford – The liability section of your policy is the protection in the event that you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
- Low stress vocation equals lower rates – Occupations like doctors, social workers and financial analysts have the highest average rates due to job stress and incredibly demanding work hours. On the flip side, careers such as actors, engineers and performers generally pay rates lower than average on Malibu coverage.
- Getting married can lower prices – Walking down the aisle helps lower the price when buying car insurance. It means you’re more mature than a single person and insurance companies like that married drivers get in fewer accidents.
One last thing to lower rates
As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.
Some insurance companies may not offer internet price quotes and most of the time these small insurance companies only sell through independent insurance agents. Cheaper Chevy Malibu insurance is definitely available both online in addition to many Dallas insurance agents, so compare prices from both so you have a total pricing picture.
Some additional reading
More tips and info about car insurance can be found at the Texas Department of Insurance website. Consumers can find out industry alerts, read consumer alerts, download brochures, and view a list of available companies.
The articles below may also help you learn more about car insurance in Dallas