Find Cheaper Chevy Malibu Insurance in Atlanta

Having to pay for overpriced auto insurance in Atlanta can draw down your monthly budget, especially in this economy. Comparing price quotes can lower your rates and help to make sure you’re not throwing money away.

Inconceivable but true, almost 70% of drivers in Georgia have stayed with the same insurance company for at least four years, and almost 40% of drivers have never shopped around. Drivers in the U.S. can save 46.5% each year just by getting comparison quotes, but they won’t spend time to find cheaper rates by getting comparison quotes.

Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a current car insurance policy, you will be able to cut your premiums using the ideas presented in this article. Locating the most cost-effective car insurance policy in Atlanta is easy if you know what you’re doing. Although Georgia vehicle owners can benefit from knowing how big insurance companies sell insurance online because rates are impacted by many factors.

Atlanta auto insurance discounts

Auto insurance is neither fun to buy or cheap, but you might be missing out on some discounts to cut the cost considerably. Some of these discounts will be visible at the time of quoting, but some discounts are required to be inquired about before they will apply. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Driver Education Discount – It’s a good idea to have your young drivers complete a driver education course in high school.
• Membership in Organizations – Belonging to a qualifying organization could earn you a nice discount on your policy.
• Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• Payment Method – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
• Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
• College Student – Children who live away from home to go to college and leave their car at home could get you a discount.
• Lower Rates for Military – Being deployed with a military unit could qualify you for better auto insurance rates.
• Low Mileage Discounts – Low mileage vehicles could qualify for lower premium rates on the low mileage vehicles.
• Accident Forgiveness Coverage – Not a discount per se, but companies like GEICO, Progressive, and Allstate permit an accident before raising your premiums as long as you don’t have any claims before the accident.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Large auto insurance companies and the discounts they provide include:

• Farmers Insurance policyholders can earn discounts including teen driver, switch companies, early shopping, homeowner, and mature driver.
• Esurance has savings for Pac-12 alumni, safety device, claim free, online shopper, anti-lock brakes, good student, and good driver.
• State Farm may offer discounts for good driver, safe vehicle, Drive Safe & Save, driver’s education, anti-theft, passive restraint, and good student.
• GEICO may have discounts that include membership and employees, military active duty, anti-theft, five-year accident-free, air bags, and defensive driver.
• Allstate may include discounts for teenSMART discount, defensive driver, early signing, multi-policy, new car, farm vehicle, and EZ pay plan discount.

Before buying, ask all the companies the best way to save money. All car insurance discounts may not apply in every state. If you would like to see a list of providers who offer auto insurance discounts in Atlanta, click here.

When comparing auto insurance rates, know that comparing more quotes increases the chance that you will find lower pricing. Some smaller insurers do not give Atlanta Malibu insurance quotes online, so it’s recommended that you also compare rates from those companies as well.

The auto insurance companies shown below provide price comparisons in Atlanta, GA. If more than one company is shown, we suggest you visit several of them to get the best price comparison.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in vehicle location which can revise coverage rates significantly.

Rate increases following a ticket or accident

The chart below shows how violations and accidents can drive up Chevrolet Malibu yearly insurance costs for each age group. The rates are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

Higher deductibles save money

A question often asked by Atlanta drivers is which comprehensive and collision deductibles to buy. The comparisons below can help you understand the difference in cost of buying low and high comp and collision deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in specific zip code location which can change prices considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you about $16 more each month or $192 every year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 16 months between claim filings, you would save money by selecting a higher deductible.

How to Lower Your Insurance Rates

Many factors are considered when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are not as apparent like your continuous coverage or your commute time.

The itemized list below are most of the major factors used by companies to determine rates.

• No car insurance policy gaps is important – Not having insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
• Vehicle options can affect car insurance rates – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
• Big cities have higher prices – Living in less populated areas has definite advantages when trying to find low car insurance rates. Less people translates into fewer accident claims. People who live in big cities regularly have more road rage incidents and more severe claims. Higher commute times translates into higher accident risk.
• Eliminate add-on coverages – Insurance companies have many additional extra coverages you can purchase on your Malibu policy. Coverages for personal injury protection, accident forgiveness, and additional equipment coverage are examples of these. They may sound like good ideas when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
• Chevy Malibu claim data – Insurance companies use statistical claims data as a way to help calculate a profitable premium price. Vehicles that historically have higher loss trends will have increased rates. The next table shows the historical insurance loss data for Chevy Malibu vehicles.

  For each policy coverage, the loss probability for all vehicles averaged together is equal to 100. Percentages below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 indicate frequent claims or statistically larger claims.

  Auto Insurance Loss Data for Chevrolet Malibu Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Malibu	94	100	109	139	145	120

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance agents can help

When quoting and choosing a policy for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if you would benefit from an agent’s advice.

• Does rental coverage apply when I am renting a car?
• Does my policy cover me when driving someone else’s vehicle?
• What is glass protection for?
• Is my son or daughter covered when driving my car?
• How can I force my company to pay a claim?
• Do I need to file an SR-22 for a DUI in Georgia?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Neighborhood Atlanta auto insurance agents

A lot of people would prefer to talk to an insurance agent and that is OK! One of the benefits of getting online price quotes is the fact that drivers can get the lowest rates but also keep your business local. Supporting neighborhood insurance agencies is important particularly in Atlanta.

After completing this form (opens in new window), your information gets sent to local insurance agents in Atlanta that can provide free Atlanta car insurance quotes for your auto insurance coverage. You won’t need to contact an agency due to the fact that quote results will go to you instantly. Get lower rates without a big time investment. If you wish to get a price quote from a specific insurance company, just jump over to their website and fill out their quote form.

Choosing the best provider should include more criteria than just the quoted price. You should also get answers to these questions.

• Do they review policy coverages at every renewal?
• Did they already check your driving record and credit reports?
• Is vehicle mileage a factor when determining depreciation for repairs?
• If you raise deductibles, how much can you save?
• Do you work with a CSR or direct with the agent?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they get extra compensation for selling add-on coverages?

If you feel you receive acceptable answers to any questions you may have and an acceptable price quote, you may have just found an provider that is reputable and can provide auto insurance coverage.

Why you need quality insurance for your Chevy Malibu

Despite the high cost, insuring your vehicle is not optional due to several reasons.

First, just about all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability coverage in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Chevy Malibu, almost all lenders will require you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Chevy for a much higher rate and force you to pay for the expensive policy.

Third, insurance safeguards both your Chevy and your personal assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $869 every year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

In conclusion

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best price.

You just learned many ways to get a better price on Chevy Malibu insurance in Atlanta. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable Chevrolet Malibu insurance quotes. You may even be surprised to find that the best price on auto insurance is with the least-expected company. Regional companies may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.

More detailed auto insurance information can be found in the articles below:

• Credit Impacts Car Insurance Rates (State Farm)
• Who Has Cheap Car Insurance for a 20 Year Old Female in Atlanta? (FAQ)
• How Much is Atlanta Auto Insurance for Teenage Males? (FAQ)
• Who Has the Cheapest Atlanta Auto Insurance Quotes for Retired Military? (FAQ)
• Top Signs Your Brakes are Giving Out (State Farm)
• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)