Cheapest 2007 Chevrolet Malibu Maxx Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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Want better insurance rates for your Chevrolet Malibu Maxx? Paying for high-priced Chevrolet Malibu Maxx insurance can overdraw your personal savings and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to cut your insurance bill. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with advertising and consumers find it hard to separate fact from fiction and find the best price available.

It’s smart to shop coverage around yearly because prices are constantly changing. Just because you had the best rates on Malibu Maxx insurance six months ago you can probably find a better price now. Ignore everything you know about insurance because you’re about to learn the tricks you need to know to properly buy coverages while reducing your premium.

Vehicle Insurance Comparison

All the larger insurance companies like Progressive, Allstate and GEICO provide coverage prices on their websites. This process is fairly straightforward as you simply type in your personal and coverage information into a form. After you complete the form, their system makes automated requests for information on your driving record and credit history and returns a price quote determined by many factors. This helps simplify price comparisons, but the time required to go to many different websites and type in the same information is repetitive and time-consuming. But it is imperative to get many rate quotes in order to get the best price on insurance.

The quickest way to find better insurance pricing uses one simple form that analyzes rates from several different companies. It saves time, eliminates form submissions, and makes rate comparisons much simpler. After sending the form, your coverage is rated and you can select any or none of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

If you want to compare pricing, simply click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter deductibles and limits as shown on your current policy. This guarantees you will be getting rate comparison quotes for similar insurance coverage.

Lots of discounts mean lots of savings

Car insurance companies don’t always list every discount very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Malibu Maxx insurance with a few insurance coverage companies.
  • No Claims – Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on your policy on Malibu Maxx insurance.
  • Distant Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Situations that might require an agent

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • Am I missing any policy discounts?
  • Is pleasure use cheaper than using my 2007 Chevy Malibu Maxx to commute?
  • How much can I save by bundling my policies?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving someone else’s vehicle?
  • When do I need to add a new car to my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does car insurance cover theft of personal property?
  • Will my vehicle be repaired with OEM or aftermarket parts?

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 a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Malibu Maxx.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, nursing services and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, fire damage, a broken windshield and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability coverage will cover damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like pain and suffering, medical services, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Malibu Maxx resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, crashing into a ditch, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

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