Cheap Insurance Quotes for a Chevrolet Malibu in Louisiana

Your odds of finding cheaper insurance for a Chevrolet Malibu in Louisiana depends on a whole bunch of factors like if you are married or single, if you have ever had a coverage lapse, and deductible levels for physical damage coverage. Drivers in Louisiana on average pay approximately $1,120 every 12 months to buy Chevrolet Malibu insurance, but that cost is a valuation calculated using a 40-year-old married male that wants both comprehensive and collision coverage and $500 physical damage deductibles.

Odds are that you are not a 40-year-old male, possibly single instead of married, or maybe you do not need full coverage. Have just a small change in rating criteria or coverage limits could result in a significant change in policy price.

Every driver has a different risk profile, so the way we recommend to find cheap car insurance rates for your Chevrolet is to take your time and compare rates from as many companies as possible. Compare rate quotes now and you can get rates from the cheapest companies available.

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Your vehicle’s trim level has an effect on the insurance rate, so the price to insure a Malibu LS model will cost $114 less than the cost to insure the more costly Malibu LTZ version, as shown in the prices below.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in specific location information which can alter rates considerably.

Establishing which companies quote the cheapest auto insurance rates for a Chevrolet Malibu will require a bit more work than just comparing a company or two. Every insurance provider has a different formula to determine rates, so we need to take a look at the most competitive auto insurance companies in Louisiana.

It’s a good idea to know that Louisiana auto insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Simply getting older, buying higher coverage limits, or getting caught speeding can cause premium changes that may make certain companies cheaper in comparison to the competition.

Best Insurance Companies for Your Malibu

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USAA may have some of the lowest car insurance rates in Louisiana at around $1,578 a year. MetLife, GEICO, Progressive, and Safeway are also some of the cheapest Louisiana auto insurance companies.

As shown above, if you currently buy coverage from GEICO and switched to USAA, you could see an annual premium reduction of around $367. Drivers with Progressive might save as much as $368 a year, and Safeway customers might lower prices by $554 a year.

To find cheap insurance for a Chevrolet Malibu in Louisiana, click here to start your free quote or quote rates from the companies below.

Remember that these prices are averaged across all types of insureds and vehicles and and are not figured with a specific rating modification for a Chevrolet Malibu. So the car insurance company that can offer you the lowest price may not even be included in the rate chart shown above. That emphasizes why you need to compare rates from multiple companies using your own driver data and vehicle information.

Careless driving habits raise auto insurance rates

A great way to get the cheapest auto insurance rates in Louisiana for a Malibu is to drive carefully and have a clean driving record. The example below highlights how traffic violations and at-fault collisions can drive up insurance prices for different age groups. The data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

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In the previous example, the average cost of car insurance in Louisiana per year with no accidents and a clean driving record is $2,299. Add in one speeding ticket and the average cost surges to $2,596, an increase of $296 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Chevrolet Malibu goes up to an average of $3,417. That’s an increase of $1,118, or $93 per month, just for not driving attentively!

Which car insurance company is best?

If you are shopping around for auto insurance, four companies you’ll want quotes from are State Farm, Allstate, Progressive, and Geico. Each company has unique features and discounts that shoppers can choose from. The following table points out ratings and policy coverage options that may be available in your state.

Ideas to find economical insurance for a Chevrolet Malibu

Below you’ll find some of the better money-saving solutions that can help Louisiana drivers buy low-cost auto insurance.

• Buying car and homeowners insurance together can save money
• Safer vehicles generally have cheaper insurance rates
• Maintain a clean driving record
• At-fault accidents will increase rates
• If possible, pay for small claims out-of-pocket
• Compare rates regularly and switch companies to save money

The last tip is incredibly vital, as we discussed in this piece. Auto insurance prices adjust frequently, so drivers shouldn’t hesitate to buy a different policy if a better deal can be had. Being loyal to a particular company is commendable, but it’s not a good idea if that loyalty results in overpaying hundreds every year. It takes less than five minutes to compare prices to find cheaper auto insurance for a Chevrolet Malibu.