View 2013 Chevrolet Malibu Hybrid Car Insurance Quotes in 2024

High-priced insurance coverage can bottom out your bank account and force you to make tough financial choices. Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare insurers and get the definite best rates possible.

It’s a good habit to do price comparisons occasionally because insurance coverage prices are adjusted regularly by insurance companies. Just because you found the best rates for Malibu Hybrid insurance a couple years back there may be better deals available now. There is lot of inaccurate information about insurance coverage on the web, but in a few minutes you can learn a bunch of ideas how to lower your insurance coverage rates.

Discounts to earn lower-cost car insurance rates

Some companies don’t always advertise the entire discount list very well, so the next list breaks down some of the more common and the harder-to-find discounts that may be available.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
• No Claims – Insureds with no claims or accidents get the best car insurance rates as opposed to policyholders that have many claims.
• Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks get auto insurance on the internet.
• Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out some life insurance too.
• Senior Citizen Discount – Seniors may qualify for a discount up to 10% for Malibu Hybrid insurance.
• One Accident Forgiven – Not really a discount, but certain companies will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Good Driver Discount – Accident-free drivers can pay as much as 50% less for Malibu Hybrid insurance as compared to drivers with claims.
• Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Multiple Cars – Drivers who insure several vehicles with one company can reduce the rates for all insured vehicles.
• Discount for Good Grades – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But any discount should definitely cut the amount you have to pay.

Some companies that may offer these benefits include:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

If you want inexpensive auto insurance quotes, ask all the companies to apply every possible discount. Discounts might not be offered on policies in your area. If you would like to choose from a list of insurers offering car insurance discounts, enter your zip code here.

Smart choices result in lower insurance costs

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with big savings.

• Avoid unnecessary incidental coverages – There are many extra coverages you can purchase on your car insurance policy. Add-on coverages like roadside assistance, death and dismemberment, and term life insurance may be wasting your money. You may think they are a good idea initially, but your needs may have changed so remove them from your policy.
• Small claims can cost you – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies give the best rates to policyholders who are not frequent claim filers. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Gals tend to be lower risk – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents and are penalized with high car insurance rates.
• High credit means lower costs – Credit score will be a significant factor in determining what you pay. Insureds that have excellent credit scores tend to be less risk to insure than those with lower credit ratings. If your credit history can use some improvement, you could potentially save money when insuring your 2013 Chevrolet Malibu Hybrid if you improve your credit rating.
• How do annual miles impact premiums? – The higher the mileage driven annually the more you will pay for car insurance. Almost all companies apply a rate based on their usage. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Make sure your car insurance coverage correctly shows the correct usage for each vehicle, because improper ratings can cost you money. Having the wrong rating on your Malibu Hybrid may be costing you.
• Occupation and insurance premiums – Careers such as judges, business owners and medical professionals generally pay higher premiums than the average policyholder in part from high stress and long work days. Other occupations like actors, engineers and the unemployed pay lower than average rates for Malibu Hybrid insurance.
• Liability coverage – The liability section of your policy will protect you if ever you are responsible for causing personal injury or damage in an accident. It provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine if you might need professional guidance.

• Can my babysitter drive my car?
• Is there coverage for injuries to my pets?
• Can I afford to pay high deductible claims out of pocket?
• Do I need replacement cost coverage?
• Does car insurance cover theft of personal property?
• Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Having a good grasp of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Liability

This will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as funeral expenses, attorney fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your Malibu Hybrid resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, fire damage and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Malibu Hybrid.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like EMT expenses, prosthetic devices and doctor visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Pennies from heaven

Some insurance companies don’t offer rates over the internet and most of the time these small insurance companies only sell through independent agents. Discount 2013 Chevy Malibu Hybrid insurance is possible from both online companies and with local insurance agents, so you need to compare both to have the best rate selection.

As you quote auto insurance, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.

Throughout this article, we presented a lot of tips how to save on 2013 Chevy Malibu Hybrid insurance. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the best rates are with a lesser-known regional company. These companies often have lower auto insurance rates on specific markets as compared to the big name companies such as Progressive or GEICO.