Finding economical auto insurance for a Chevrolet Malibu depends on an enormous amount of rating factors such as your age, whether or not you have filed claims in the past, and driving violations and tickets. Arizona drivers will pay around $1,067 each year to insure their Malibu, but that price is an estimation based on a 30-year-old single male driver with full coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you are not 30 years old and maybe not even male, possibly married instead of single, and maybe you want higher deductibles. This illustrates why the best method for finding the cheapest rates for your Chevrolet is to just take the time to compare rates yourself.
The trim level of your Chevrolet tends to have a direct impact on price, so the cost to insure a Malibu LS will be $120 less than the price to insure the higher-end Malibu LTZ model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can affect prices greatly.
Choosing a high-quality insurer can be a challenge considering how many choices there are in Arizona. The information below could help you decide which auto insurers you want to consider when comparing insurance rates for a Chevrolet Malibu.
These ratings include the largest companies in the United States, so companies with more of a regional focus are not included in these rankings. If you wish to compare rates from the insurers below and more, simply click here.
Top 10 Major Auto Insurers in Mesa Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
How violations and accidents impact rates
The easiest method to earn cheap car insurance rates in Arizona for a Malibu is to be a safe driver and avoid getting tickets or having accidents. The information below demonstrates how citations and at-fault fender-benders influence insurance prices for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with no accidents or violations is $1,870. Get written up for one speeding ticket and the average cost surges to $2,106, an increase of $236 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Chevrolet Malibu jumps again to an average of $4,147. That’s an increase of $2,277, or $190 per month, just for not being attentive to the road!
Why are you paying too much to insure your Malibu?
Arizona car insurance rates are impacted by many things that will increase or decrease the policy premium. Simply having a birthday, buying a home instead of renting, or getting a ticket for careless driving can trigger price changes that can cause some rates to be cheaper than others. Additionally, car insurance companies modify rates as needed to reflect underwriting profits or losses. Higher than normal claim frequency or severity can result in high rates, while a better loss history may produce cheaper Malibu insurance rates.
For example, the chart below shows the companies that have the cheapest car insurance in Mesa, AZ for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we compare prices based on her current rating profile, The Hartford might quote the best car insurance rates in Mesa at $1,126 each year. This is $302 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the cheapest Mesa, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a chargeable accident, less-than-perfect credit, and a speeding ticket. Since each company has a different formula to set policy rates, analyzing rates will most likely result in a new list of companies as shown below.
Progressive now has the best car insurance rate in Mesa, AZ with Ameriprise Group, Auto-Owners, CSAA, and Allied now rounding out the top five. This example demonstrates why it is crucial to take the time to shop around when trying to get the most economical insurance quotes for a Chevrolet Malibu. Rates are determined by many risk factors and change dramatically, so the cheapest company six months ago may now be one of the more expensive options.
How to find more affordable insurance for a Chevrolet Malibu
It is possible to find better rates, and here are some of the better thrifty solutions that can help you find more affordable coverage.
- Drop full coverage on older vehicles
- Buy your homeowners policy from the same company as your auto insurance
- Accident-free drivers may qualify for discounts
- Buy safe vehicles
- Be a cautious driver
- Try to remain claim-free
- Shop your coverage around for the best deal
The final tip is incredibly important, as we stressed in this write-up. Rates in Mesa can change significantly in a year, so don’t hesitate to switch companies if a lower price can be found.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that dedication is costing a considerable chunk of change every month. It only take a few minutes to compare rates and find cheaper car insurance for a Chevrolet Malibu.
If you prefer to have some professional guidance when trying to find lower insurance rates for a Chevrolet Malibu, the agencies below are willing to help you make a decision which coverages and limits you need. To locate a Mesa auto insurance agent close to you, click the button at the bottom or click here to compare price quotes.
Jayson Hoffer Insurance Agency
1930 South Alma School Road A101 – Mesa, AZ 85210 – (480) 948-6115
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020
Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555