Cheap Insurance for a Chevy Malibu in Denver

Searching for cheaper insurance for a new or used Chevy Malibu in Colorado can normally be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to shop for car insurance so we’re going to tell you the quickest way to quote coverages for your Chevy and locate the cheapest rates from Denver insurance agents and online providers.

It’s important to get comparison quotes at least once a year due to the fact that insurance prices change quite often. Just because you had the lowest rate on Chevy Malibu insurance in Denver last year you will most likely find a better premium rate today. You can search a lot of Malibu insurance online, but by reading this article, you’re going to learn some great ideas on how to slash your car insurance rates in Denver.

Affordable car insurance in Denver, CO

The companies shown below offer free rate quotes in Denver, CO. If the list has multiple companies, we suggest you get rate quotes from several of them to find the lowest car insurance rates.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in your specific Denver location which can increase or decrease premiums considerably.

Policy deductibles

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The data tables below may aid in understanding how much more you’ll pay when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in garaging location in Denver which can revise premium rates greatly.

Based on this data, using a $100 deductible will cost you about $25 more each month or $300 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 16 months between claim filings, you would save more money if you decide on a higher deductible.

Insurance rate increases from tickets or accidents

The illustration below demonstrates how traffic citations and accidents can influence Chevrolet Malibu car insurance costs for different age groups. The data is based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Physical damage deductible comparison

The illustration below demonstrates how deductible levels and can raise or lower Chevrolet Malibu insurance costs for different ages of insureds. The rates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Discounts mean cheaper rates for Chevy Malibu insurance in Denver

Insurance can be prohibitively expensive, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few must be asked about before you will receive the discount.

• One Accident Forgiven – This isn’t a discount exactly, but a few companies such as Allstate, Progressive, and GEICO will let one accident slide without raising rates so long as you are claim-free prior to being involved in the accident.
• Good Grades Discount – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Paperwork-free – A few larger companies will give a small break for buying a policy and signing up on the web.
• Telematics Discount – People who choose to allow data collection to analyze vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
• Save over 55 – Seniors are able to get better car insurance rates.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.

Remember that most discounts do not apply to the overall cost of the policy. Most cut 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 don’t profit that way. But all discounts will definitely lower your overall premium however.

If you would like to view providers that offer discounts in Colorado, click this link.

You may need specialized car insurance coverage

Always remember that when buying adequate coverage, there really isn’t a one size fits all plan. Your needs are unique to you and your car insurance should be unique as well.
These are some specific questions might point out if you would benefit from professional advice.

• What companies insure drivers after a DUI or DWI?
• What are the financial responsibility laws in my state?
• Do I have ACV or replacement cost coverage?
• Do they offer discounts for home and auto coverage?
• I don’t drive much so do I pay less?
• Am I covered if I wreck a rental car?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered if my car is in a flood?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Compare rates but still have a local neighborhood Denver car insurance agent

A small number of people would prefer to get advice from a local agent and doing so can bring peace of mind Insurance agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap car insurance quotes but also keep your business local.

To make it easy to find an agent, after completing this quick form, the quote information is instantly submitted to companies in Denver who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to do any legwork as quotes are delivered to the email address you provide. If you wish to compare prices for a specific company, you just need to go to their quote page to submit a rate quote request.

Finding a good insurance company shouldn’t rely on just the price. These questions are important to ask:

• Does the quote include credit and driving reports?
• Will the agent help in case of a claim?
• In the event of vehicle damage, can you pick the collision repair facility?
• Is the agency involved in supporting local community causes?
• Which companies can they place coverage with?
• Will your rates increase after a single accident?
• Which company do they place the most coverage with?
• Does the agency have a good rating with the Better Business Bureau?

Below is a short list of insurers in Denver that are able to give price quote information for Chevy Malibu insurance in Denver.

• Don Middleton – State Farm Insurance Agent
  1900 Wazee St #1538 – Denver, CO 80202 – (303) 595-5500 – View Map
• All Insurance Agency
  67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map
• Hiram Licea – State Farm Insurance Agent
  3600 Morrison Rd – Denver, CO 80219 – (303) 935-7475 – View Map
• Henry Ham Agency, Inc
  645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map

More insurance agents

After talking to the agent and getting positive feedback to these questions as well as offering an affordable quote, most likely you have located a company that is a good match to provide car insurance coverage. Just understand that once you purchase a policy you can terminate your policy at any point so don’t think that you’re stuck with a policy for a certain time period.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, hitting a bird, theft and vandalism. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Malibu.

Because many people only purchase the least amount of liability that is required (which is 25/50/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for funeral costs, nursing services, X-ray expenses, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/15 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $15,000.

Liability insurance covers things such as repair costs for stationary objects, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Colorado state law requires minimum liability limits of 25/50/15 but you should consider buying better liability coverage.

Collision coverage

This coverage covers damage to your Malibu resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, rolling your car, backing into a parked car, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible on your Malibu to bring the cost down.

You can lower your auto insurance rates

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

In this article, we covered quite a bit of information on how to find affordable Chevy Malibu insurance in Denver. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the least-expected company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.

Additional information is located at these links:

• A Tree Fell on Your Car: Now What? (Allstate)
• Who Has Cheap Auto Insurance for a Ford Edge in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance for a Ford Escape? (FAQ)
• Who Has Affordable Denver Auto Insurance for Active Military? (FAQ)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)