2006 Chevrolet Malibu Maxx Car Insurance Quotes

Having to pay for overpriced insurance coverage can dwindle your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to tighten up your finances. Companies like Geico, Progressive and Allstate all promote huge savings with advertising and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

Smart consumers take time to get comparison quotes on a regular basis because prices are usually higher with each renewal. Even if you got the best price for Malibu Maxx insurance six months ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so by reading this article, you’re going to learn some guaranteed methods to put money back in your pocket.

If you have a policy now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. Buying car insurance is not that difficult. Drivers only need to know the most effective way to compare price quotes on the web.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • No Charge for an Accident – A few companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Malibu Maxx insurance.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for Malibu Maxx insurance with a few auto insurance companies.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will bring down your premiums.

Companies that may have these money-saving discounts include:

Check with each company how you can save money. Savings may not apply everywhere.

Finding Insurance Coverage

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to each company.

To access this free quoting program, click here to open in new window.

The one disadvantage to doing it this way is you can’t choose which insurance companies to get quotes from. So if you want to choose specific providers to compare, we have a page of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical deductibles and coverage limits for each price quote. If your comparisons have higher or lower deductibles you can’t possibly decipher which rate is best.

Your personal situation dictates your coverage

When it comes to buying coverage, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • What is the ISO rating for a 2006 Chevy Malibu Maxx?
  • Is rental equipment covered for theft or damage?
  • Will my rates increase for filing one claim?
  • Does my car insurance cover rental cars?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for rehabilitation expenses, funeral costs, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Malibu Maxx.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Collision – Collision insurance pays for damage to your Malibu Maxx caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverages – This coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, loss of income, medical services, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed, a broken windshield, fire damage and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

We just covered a lot of techniques to compare 2006 Chevy Malibu Maxx insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even discover the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.

Cheap insurance can be bought both online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Much more information about car insurance can be found at the links below