Save Money on Chevy Malibu Insurance in Miami

Insurance for Chevy MalibuUnimaginable but true, nearly 70% of drivers kept their policy with the same company for over three years, and nearly 40% of drivers have never taken the time to shop around. Florida insurance shoppers can save approximately 55% each year by just comparing quotes, but they don’t understand how simple it is to compare rates.

To save the most money, the best way to find better pricing on car insurance rates is to do an annual price comparison from providers in Miami.

  1. Read and learn about how insurance works and the measures you can take to lower rates. Many policy risk factors that increase rates like traffic citations and a negative credit history can be controlled by making minor driving habit or lifestyle changes.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies. View insurance agents
  3. Compare the new rates to your current policy premium and see if there is a cheaper rate in Miami. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to remember is to use the same liability limits and deductibles on every price quote and and to get price estimates from every insurance company. This ensures an accurate price comparison and the best price selection.

If you have coverage now, you should be able to find better prices using the ideas presented in this article. Locating the best rates in Miami is easy if you know what you’re doing. Although Florida drivers need to learn the way insurance companies set your policy premium because rates are impacted by many factors.

Compare Chevy Malibu insurance rates

When price shopping your coverage, making a lot of price comparisons helps you find more affordable insurance. Not every company does online price quotes, so you need to compare quotes from the smaller companies as well.

The following companies offer free rate quotes in Florida. To locate cheap auto insurance in Miami, we suggest you compare several of them to get the cheapest price.

Detailed insurance information

The coverage information displayed next highlights detailed analysis of coverage prices for Chevy Malibu models. Understanding how auto insurance policy rates are figured can benefit drivers when making smart buying decisions.

Chevrolet Malibu Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $358 $648 $418 $24 $124 $1,572 $131
Malibu Hybrid $358 $648 $418 $24 $124 $1,572 $131
Malibu LT $406 $648 $418 $24 $124 $1,620 $135
Malibu LTZ $406 $764 $418 $24 $124 $1,736 $145
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in garaging location in Miami which can decrease or increase rates significantly.

The chart below illustrates how your deductible choice and can affect Chevy Malibu insurance rates for different age groups. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.

Take policy discounts and save on Chevy Malibu insurance in Miami

Auto insurance can be pricey, but there may be some discounts to help bring down the price. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.Auto insurance discounts

Please keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, you aren’t that lucky.

The diagram below shows the difference between Chevy Malibu car insurance rates with and without discounts applied. The premiums are based on a female driver, no claims or violations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, marriage, and multi-car discounts applied.

Larger auto insurance companies and their offered discounts are detailed below.

When getting a coverage quote, ask every prospective company what discounts are available to you. Some credits might not be offered on policies in Miami.

Why you need quality insurance for your Malibu

Even though it’s not necessarily cheap to insure a Chevy in Miami, buying insurance is required in Florida but also provides important benefits.

The benefits of carrying enough insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in Florida is overpaying over $825 a year so compare rates at every policy renewal to save money.

It’s not one size fits all

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every situation is different.Auto insurance savings

For instance, these questions may help highlight whether or not you will benefit from professional help.

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Comparing quotes from local Miami insurance agencies

Some consumers just prefer to get advice from a local agent and that is a smart decision One of the benefits of comparing insurance online is that you can obtain cheap insurance rates and still have an agent to talk to.

Find insurance agent in MiamiOnce you complete this form (opens in new window), your insurance coverage information gets sent to companies in Miami who will return price quotes for your insurance coverage. There is no need to leave your house since price quotes are sent directly to your email. You can get cheaper insurance rates without a big time investment. If you wish to get a price quote from a specific company, you can always find their quoting web page and give them your coverage information.

Choosing a insurance company shouldn’t rely on just the premium amount. These are valid questions to ask:

If you want to use a local insurance agency, it helps to know the two different types of agencies that you can select. Miami agents can either be independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Exclusive insurance agents can only place business with one company such as State Farm or Allstate. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on their products and sales techniques which aids in selling service over price.

The following is a list of exclusive agencies in Miami who may provide you with comparison quotes.

Rick Gonzalez – State Farm Insurance Agent
8830 Coral WayMiami, FL 33165(305) 226-3412View Map

Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103Miami, FL 33144(305) 262-0440View Map

141 Alton RdMiami Beach, FL 33139(305) 531-1223View Map

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Independent Insurance Agents

Agents in the independent channel can quote rates with many companies so they can quote policies with a variety of different insurance companies and potentially find a lower price. If your premiums go up, your agent can switch companies and you can keep the same agent.

When comparison shopping, you need to get some free quotes from independent agents so that you can do a thorough price comparison.

The following is a list of independent agents in Miami that are able to give comparison quotes.

3350 S Dixie HwyMiami, FL 33133(305) 446-2271View Map

9875 Sunset DrMiami, FL 33173(305) 595-2127View Map

Miami International Insurance Agency
2200 SW 16th St, Suite 212Miami, FL 33145(305) 856-3333View Map

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