Best Ways to Save on San Diego Chevy Malibu Insurance

Discount Chevy Malibu insuranceWant a free price quotes on more affordable Chevy Malibu insurance in San Diego? Did budget coverage turn out to be overpriced Chevy Malibu insurance in San Diego? Don’t sweat it because there are lots of people in the same boat.

Unbelievably, almost 70% of drivers in California have purchased from the same company for over three years, and just short of a majority have never compared quotes from other companies. With the average premium in the U.S. being $1,847, drivers could save up to $859 a year by just comparing quotes, but most undervalue the amount of savings they would get if they switched.

You have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it makes it harder to get the best deal for Chevy Malibu insurance in San Diego.

When comparison shopping, comparing all the rates in your area provides better odds of finding a lower rate.

The auto insurance companies shown below have been selected to offer free rate quotes in San Diego, CA. If multiple companies are shown, we recommend you click on several of them in order to find the most competitive rates.

Chevrolet Malibu Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $366 $776 $574 $34 $172 $1,922 $160
Malibu Hybrid $390 $576 $578 $34 $174 $1,752 $146
Malibu LT $184 $300 $416 $24 $124 $1,048 $87
Malibu LTZ $314 $546 $442 $26 $132 $1,460 $122
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location which can decrease or increase auto insurance rates substantially.

How high should deductibles be?

The information below shows how different deductible levels and can affect Chevrolet Malibu insurance costs for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Higher deductibles lower rates

One frequently asked question is how high should the physical damage coverage deductibles be. The rates below illustrate the premium difference when you choose different coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Chevrolet Malibu insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $342 $576 $442 $26 $132 $1,543 $129
Malibu Hybrid $342 $576 $442 $26 $132 $1,543 $129
Malibu LT $386 $576 $442 $26 $132 $1,587 $132
Malibu LTZ $386 $678 $442 $26 $132 $1,689 $141
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Chevrolet Malibu insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $210 $362 $442 $26 $132 $1,172 $98
Malibu Hybrid $210 $362 $442 $26 $132 $1,172 $98
Malibu LT $238 $362 $442 $26 $132 $1,200 $100
Malibu LTZ $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in specific San Diego garaging location which can change premiums greatly.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $33 more each month or $396 annually than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claim filings, you would come out ahead if you decide on a higher deductible.

These discounts can lower your auto insurance quotes

Auto insurance is easily one of your largest bills, but you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but some discounts are required to be manually applied in order for you to get them.Discount auto insurance

As a sidenote, many deductions do not apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Auto insurance companies that may offer policyholders some of the above discounts may include but are not limited to:

When quoting, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your state. To see a list of insurance companies with discount rates in California, follow this link.

When to talk to an insurance agency

Some people just prefer to talk to a local agent and often times that is recommended The best thing about getting free rate quotes online is that you can obtain cheap insurance quotes but also keep your business local.

Insurance agency in San DiegoFor easy comparison, once you complete this form (opens in new window), your information is transmitted to local insurance agents in San Diego that give free quotes for your business. It’s much easier because you don’t need to drive around since rate quotes are delivered to your email. You can find better rates without having to waste a lot of time. If you have a need to get a price quote from a particular provider, you can always go to their quote page and give them your coverage information.

Picking the best provider requires more thought than just a low price. Here are some questions you might want to ask.

Exclusive and independent San Diego car insurance agents

When narrowing the list to find an insurance agent, it’s helpful to know the different agency structures and how they are distinctly different. Insurance policy providers can be categorized as either exclusive or independent.

Exclusive Insurance Agents

These agents work for only one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agents receive a lot of sales training on their company’s products which aids in selling service over price.

The following are San Diego exclusive insurance agencies who can help you get price quotes.

9920 Mira Mesa Blvd ASan Diego, CA 92131(858) 271-6400View Map

6919 Paradise Valley Rd, # A9San Diego, CA 92139(619) 773-2300View Map

7332 Casper DrSan Diego, CA 92119(619) 464-4261View Map

More San Diego agents

Independent Agents (or Brokers)

Independent agencies are not limited to a single company so they have the ability to put coverage with an assortment of companies and potentially find a lower price. If prices rise, an independent agent can move your coverage and you stay with the same agent. If you are comparing rate quotes, you need to check rates from independent agents in order to have the best price comparison.

The following is a list of independent insurance agencies in San Diego who can help you get price quote information.

1081 Camino del Rio S Ste 210San Diego, CA 92108(916) 742-6995View Map

3443 Camino del Rio S #221San Diego, CA 92108(619) 296-6222View Map

11440 W Bernardo Ct #161San Diego, CA 92127(858) 431-9880View Map

More San Diego agents

Get Lower-cost Insurance with These Tips

Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are less apparent such as whether you are married or your vehicle rating. It’s important that you understand some of the factors that come into play when calculating the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in lower premium levels.

Auto insurance protects more than just your car

Even though it’s not necessarily cheap to insure a Chevy in San Diego, maintaining insurance is mandatory in California but it also protects more than you think.

The benefits of having auto insurance more than cancel out the cost, particularly if you ever have a claim. The average driver in America is wasting up to $750 every year so it’s very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.

Compare but don’t skimp

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we presented quite a bit of information on how to reduce Chevy Malibu insurance premium rates online in San Diego. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost San Diego car insurance quotes. Drivers may even discover the biggest savings come from the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

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