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There are millions of drivers on the roads today you prefer the comfort and reliability of a midsize sedan combined with the value that the Chevrolet brand is known to offer. All these factors have made the Chevy Malibu one of the most popular sedans that a driver can buy. But just because of vehicle is popular, doesn’t mean that medically comes with the cheapest available auto insurance policy. If you want to make sure you’re getting a fair deal on your Chevy Malibu Auto Insurance, and you can use our helpful advice to do just that.
The name Malibu has actually been double-dipped by Chevy over the last 50 years or so. The classic Malibu began production back in 1964, and had a good run until 1983 when sales dropped off. 14 years later, however, Chevy gave the Malibu another chance – and the decision has yielded dividends for the company. The Chevy Malibu is still going strong today, with over 227,000 units sold in 2016 alone. It is currently in its ninth generation of production, and sales are predicted to remain in the 6 digit Realm for a few more years to come, at least.
When it comes to a vehicle as popular as the Chevy Malibu, you’re going to find some unsavory news stories associated with its name. Even a brief Google search shows stories of people committing crimes and causing accidents in a Malibu, or worse. But one heartwarming story out of Oklahoma revolves around a young Chevy Malibu owner doing his best to help raise money for homeless veterans. He even uses his own car to help them get the transportation they need in order to get around and get back on their feet.
Everything about your location – even down to your very zip code – will have a powerful influence on how much you pay each month for your policy. Local conditions are especially important, because most people don’t drive very far from where they live; therefore, they’re most likely to get into an accident within a few miles of where they park their car each night. That’s why most insurance companies ask for your zip code when they first start to underwrite a policy for you.
Even within the same zip code, different car insurance companies are going to have different opinions about what is and is not a high-risk driving situation. For instance, if you live in an area with severe weather, there may be insurance companies who charge you more for comprehensive and collision then they would somewhere else. Still other companies may be concerned about drunk drivers, especially if you live in a rural area with little to no public transportation. Traffic congestion is also a problem, with most accidents happening whenever traffic is at its worst. It may be difficult, but finding an an insurance provider who agrees that you are a low-risk motorist and therefore deserve a lower rate is worth the savings in the long run.
Believe it or not, your auto insurance agency uses your credit score as a way to determine whether or not you will be a responsible driver. For one, your credit score reflects how likely you are to pay your premiums on time and in full, which is something insurance companies really like. Some insurance companies also believe that drivers was good credit or more careful behind the wheel, so offering safe driver discounts is another incentive that companies offer to attract those who have better credit scores.
As you can see in the chart above, your personal circumstances will make a very big difference in what different insurance companies are willing to charge you. So how do you make sure you find the right one that will charge you the least? Well, you’ll have to shop around. But you shouldn’t waste time doing it by yourself and stressing yourself out. You can use our quote generator and get fast, free quotes in a matter of minutes – no stress needed!