Locating the cheapest insurance for a Chevy Malibu in Texas can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to buy car insurance so you’re going to learn the proper way to price shop coverage on a Chevy and obtain the best price possible from Texas insurance agents and online providers.
If you have a current car insurance policy or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. Shopping for the cheapest car insurance is simple if you know the tricks. Texas vehicle owners only need to know the tricks to shop for car insurance over the internet.
Why your Chevy Malibu insurance rates may be high
Consumers need to have an understanding of the different types of things that help determine the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that could result in lower car insurance prices.
- Lower miles equals lower premium – Driving more miles in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that are driven to work every day. Improper usage on your Malibu can result in significantly higher rates. Make sure your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
- Being married can save on car insurance – Being married helps lower the price on car insurance. Having a spouse translates into being more mature than a single person and it’s proven that married couples file fewer claims.
- Optional equipment can affect rates – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
- Is your vehicle built for speed? – The make and model of the vehicle you own makes a significant difference in your rates. The lowest rates are generally reserved for small economy passenger vehicles, but other factors influence the final cost greatly. Because the Chevrolet Malibu is a passenger car, insuring your vehicle will cost similar in price or lower compared to average rates.
- Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy Malibu earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Free Quotes for Car Insurance in Texas
All major car insurance companies like Allstate, GEICO and Progressive provide insurance quotes on their websites. Getting online rates doesn’t take a lot of time as you simply enter your required coverages into a form. After you complete the form, their system obtains your credit score and driving record and returns a price.
This makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information can be a bit repetitive. But it’s very important to have as many quotes as possible in order to get better car insurance pricing.
There is an easier way!
The easiest way to compare rates is to use a quote form that gets price quotes from multiple companies. It saves time, eliminates form submissions, and makes price shopping online much more efficient. After sending the form, it gets priced and you can choose any or none of the pricing results. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.
If you want to find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with exactly as they are listed on your policy. This helps ensure you will receive a price comparison for the exact same coverage.
Be sure to get all your discounts
Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.
- Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
- Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
- Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
- Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
- Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
- Sign Online – Certain companies will give a small break just for signing your application online.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.
Additional detailed information can be found at the Texas Department of Insurance website. Texas consumers can find disaster information, file complaints about a company, and learn about specific coverages.
Do the work, save more money
Low-cost Chevy Malibu insurance is possible from both online companies as well as from independent agents in Texas, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
We just presented a lot of information how to get a better price on Chevy Malibu insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from the least-expected company.
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and learned later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.