Insurance rates Chevy Malibu in Las VegasI really doubt anyone rejoices having to buy car insurance, especially when they are aware that the cost is way too high.

A recent survey discovered that the majority of drivers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never quoted car insurance rates at all. Nevada drivers can cut their rates by as much as 35% a year just by getting comparison quotes, but they assume it's a waste of time to find cheap car insurance rates. Companies like Allstate and Progressive continually bombard you with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

Cheap Las Vegas insurance quotes with discounts

Insurance is expensive, but you can get discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but a few must be specifically requested before being credited. If you check and find you aren't receiving every discount you qualify for, you could be paying more than you need to.

We need to note that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it's possible to get free car insurance, insurance companies aren't that generous.

Popular insurance companies and a partial list of their discounts are shown below.

It's a good idea to ask each company or agent to give you their best rates. Savings might not be available to policyholders in Las Vegas.

Compare free Las Vegas Chevy Malibu insurance quotes

The companies shown below can provide free quotes in Nevada. If multiple companies are listed, we recommend you visit several of them to get the cheapest price.

Chevrolet Malibu Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $168 $252 $404 $24 $120 $968 $81
Malibu Hybrid $206 $408 $296 $18 $88 $1,016 $85
Malibu LT $184 $310 $416 $24 $124 $1,058 $88
Malibu LTZ $160 $336 $400 $24 $120 $1,040 $87
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can decrease or increase rates noticeably.

Chevrolet Malibu insurance rates by age and gender

The diagram below shows the comparison of Chevrolet Malibu insurance costs for male and female drivers. The data assumes no violations or accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Poor driving habits will raise your auto insurance rates

The information below shows how traffic citations and at-fault collisions can influence Chevrolet Malibu insurance costs for different age groups of insureds. The information is based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Get More Affordable Insurance Costs by Understanding These Factors

When buying insurance it's important to understand a few of the rating criteria that aid in calculating the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that may result in big savings. Many different elements are considered when pricing auto insurance. Most are fairly basic such as your driving record, but other criteria are not as apparent like your continuous coverage and annual miles driven.

Low stress job equals lower prices - Careers such as military personnel, air traffic controllers, and medical professionals generally pay higher premiums than the average policyholder attributed to job stress and lengthy work days. Conversely, jobs like professors, athletes and the unemployed generally pay rates lower than average.

How old are your drivers? - Beginning drivers in Nevada have been known to be careless and easily distracted when driving so insurance rates are higher. More experienced drivers are more responsible, cost insurance companies less in claims, and usually have better credit.

Better premiums for no policy lapses - Driving without insurance is against the law and companies may charge more for letting your insurance expire. Not only will you pay more, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may then have to file a SR-22 with the Nevada department of motor vehicles.

Driving citations can be expensive - Getting just one ticket could increase your next policy renewal substantially. Attentive drivers pay lower auto insurance prices as compared to those with violations. Drivers who have dangerous violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Do you need those extra policy coverages? - There are a ton of additional extra coverages that you can buy if you aren't careful. Coverages like rental car reimbursement, towing, and term life insurance are examples of these. They may seem good when deciding what coverages you need, but your needs may have changed so consider taking them off your policy.

Chevy Malibu insurance claim data - Companies use past loss statistics for each vehicle to calculate a rate that will offset any claims. Models that are shown to have higher loss trends will have a higher premium rate. The data below shows the historical loss data for Chevy Malibu vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is equal to 100. Percentage numbers below 100 suggest a better than average loss history, while percentage numbers above 100 indicate frequent claims or statistically larger losses.

Insurance Loss Ratings for Chevrolet Malibu Vehicles

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Malibu 94 100 109 139 145 120

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance quotes from local Las Vegas insurance agents

Many people just prefer to sit down and talk to an agent and we recommend doing that Experienced insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about price shopping on the web is that drivers can save money and get better rates and also buy local.

Find insurance agent in Las VegasOnce you complete this quick form, the coverage information is transmitted to local insurance agents in Las Vegas who want to provide quotes for your insurance coverage. There is no reason to visit any agencies since rate quotes are delivered to you. If you have a need to quote rates from a specific insurance company, feel free to go to their quote page and submit a quote form there.

Selecting a provider is decision based upon more than just the price. These are some questions your agent should answer.

When searching for a local Las Vegas insurance agent, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance agencies in Las Vegas can be described as either independent or exclusive depending on the company they work for. Either type can do a good job, but it's good to learn the subtle differences because it can factor into buying decisions.

Exclusive Car Insurance Agencies

Agents of this type work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well trained on the products they sell which helps them sell insurance even at higher premiums.

Below are Las Vegas exclusive insurance agencies that are able to give price quote information.

2035 Village Center Cir #100 - Las Vegas, NV 89134 - (702) 851-2400 - View Map

7455 W Azure Dr Suite 110 - Las Vegas, NV 89130 - (702) 562-7504 - View Map

1000 S Rampart Blvd #14 - Las Vegas, NV 89145 - (702) 869-6600 - View Map

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Independent Insurance Agents

Independent agents often have affiliation with several companies so they can write business through many companies and find you cheaper rates. If they find a cheaper price, they simply switch companies in-house and you can keep the same agent.

When comparing car insurance prices, you will definitely want to get several quotes from multiple independent agents to have the most options to choose from.

Below are Las Vegas independent agencies who can help you get comparison quotes.

3970 N Tenaya Way #110 - Las Vegas, NV 89129 - (725) 696-7707 - View Map

7785 N Durango Dr - Las Vegas, NV 89131 - (702) 648-9689 - View Map

1955 E Tropicana Ave h - Las Vegas, NV 89119 - (702) 518-6727 - View Map

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Car insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure a Chevy in Las Vegas, maintaining insurance is required in Nevada but it also protects you in many ways.

The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $855 a year so you should quote rates every year to help ensure money is not being wasted.

What is YOUR best insurance company?

Discount Chevy Malibu insurance in Las Vegas can be sourced from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide the ability to get quotes online and these smaller providers only sell through independent agents.

We just presented many ideas to get a better price on Chevy Malibu insurance in Las Vegas. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even discover the lowest priced auto insurance comes from a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

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