Do you need a better way to compare lower-priced Chevy Malibu insurance in Overland Park? Tired of not being able to afford to buy insurance? You have the same problem as many other Kansas drivers.
A recent insurance study revealed that most insurance policyholders in Kansas have stayed with the same insurance company for more than four years, and just short of a majority have never even shopped around for affordable coverage. American drivers can save approximately $859 each year just by getting comparison quotes, but they don't believe the actual amount they would save if they moved their coverage to a different company. Due to the fact that there are so many different company options, it's difficult to choose the cheapest insurance company.
It's important to price shop coverage as often as possible since insurance prices are variable and change quite frequently. Even if you think you had the best deal on Chevy Malibu insurance in Overland Park a year ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.
This article's intent is to introduce you to the best methods to compare rates and some tricks to saving. If you have a current car insurance policy, you should be able to buy cheaper car insurance using the ideas covered in this article. Vehicle owners only have to learn the tricks to compare rates from many companies at once.
Save with these eight premium slashing discounts
Car insurance companies don't always list the complete list of policy discounts very clearly, so the below list has both well-publicized and the more hidden savings tricks you should be using when you buy Overland Park car insurance online.
- Multi-policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% and get you the cheapest Chevrolet Malibu insurance in Overland Park.
- Student Driver Training - Have your child enroll and complete driver's education in school or through a local driver safety program.
- Theft Deterrent - Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Overland Park car insurance quote.
- New Car Discount - Insuring a new Malibu is cheaper since new vehicles are generally safer.
- Distant Student - Kids who are enrolled in a college that is more than 100 miles from Overland Park and leave their car at home could qualify for this discount.
- Lower Rates for Military - Being on active duty in the military could trigger a small discount.
- Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
- Defensive Driver Discount - Taking a driver safety class could cut 5% off your bill if your company offers it.
You can save money using discounts, but many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Even though the math looks like you could get a free car insurance policy, you're out of luck.
Popular car insurance companies and their offered discounts are included below.
- Progressive offers discounts including multi-policy, continuous coverage, online quote discount, good student, and online signing.
- MetLife may offer discounts for good driver, claim-free, multi-policy, defensive driver, good student, accident-free
- Mercury Insurance includes discounts for multi-car, type of vehicle, location of vehicle, low natural disaster claims, annual mileage, and age of vehicle.
- Nationwide may have discounts that include defensive driving, Farm Bureau membership, multi-policy, family plan, and easy pay.
- GEICO has savings for anti-theft, emergency military deployment, federal employee, multi-vehicle, military active duty, and membership and employees.
- AAA may include discounts for anti-theft, good driver, AAA membership discount, good student, multi-policy, education and occupation, and pay-in-full.
It's a good idea to ask every company which credits you are entitled to. Depending on the company, some discounts may not be offered in Overland Park. To choose companies who offer online Chevy Malibu insurance quotes in Kansas, click here.
The companies shown below offer price comparisons in Kansas. If multiple providers are shown, it's highly recommended you visit several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase prices considerably.
Violations and accidents raise rates
The chart below demonstrates how citations and at-fault collisions increase Chevrolet Malibu insurance rates for each age group. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
When to get professional advice
Always remember that when buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's needs are different.
Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.
- What is PIP insurance?
- When can my company non-renew my policy?
- Do I have coverage when using my vehicle for my home business?
- If I drive on a suspended license am I covered?
- When should I drop full coverage on my Chevy Malibu?
- Is pet coverage available?
- Does my liability insurance cover pulling a trailer or camper?
If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It's fast, free and can provide invaluable advice.
Insurance agents near you
A small number of people just want to get professional advice from a licensed agent and we recommend doing that Professional agents are very good at helping people manage risk and help in the event of a claim. The biggest benefit of comparing insurance online is that drivers can save money and get lower rates and still have a local agent. And providing support for local agents is especially important in Overland Park.
After filling out this quick form, your insurance data is emailed to companies in Overland Park who will give you bids to get your business. There is no reason to contact any insurance agencies because prices are sent straight to your inbox. If you have a need to get a price quote for a specific company, don't hesitate to visit that company's website and submit a quote form there.
Two types of Overland Park auto insurance agents
When searching for a local Overland Park insurance agent, there are a couple of types of agencies and how they differ in how they quote coverages. Agents can either be independent or exclusive depending on the company they work for. Either can sell insurance policies, but it's worth learning the difference between them because it can factor into which agent you choose.
Agents that choose to be independent are not restricted to one company and that enables them to quote your coverage with an assortment of companies and find the cheapest insurance rates. To transfer your coverage to a different company, they simply move your policy to a different company and you won't have to switch agencies. When comparing insurance prices, we recommend you include price quotes from several independent agencies to have the most options to choose from.
Shown below is a list of independent insurance agencies in Overland Park that may be able to give price quotes.
Michael Coffelt Insurance Agent
10600 Metcalf Ave - Overland Park, KS 66212 - (660) 541-1273 - View Map
Agents that elect to be exclusive work for only one company such as State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. They are well trained on their company's products which helps them compete with independent agents.
The following are exclusive agents in Overland Park that are able to give price quote information.
Choosing the best auto insurance agent needs to be determined by more than just a low price. You should also get answers to these questions.
- How long have they worked with personal auto insurance coverage?
- Will one accident increase rates?
- What insurance companies do they work with in Overland Park?
- Who is covered by the car insurance policy?
- If independent agents, which companies do they recommend?
- Are they able to provide referrals?
Why you need quality insurance for your Chevy vehicle
Despite the high cost of buying insurance for a Chevy Malibu in Overland Park, maintaining insurance is a good idea for several reasons.
First, almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance coverage in order to license the vehicle. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a lienholder, most banks will stipulate that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Chevy at a much higher premium rate and force you to reimburse them much more than you were paying before.
Third, car insurance preserves not only your vehicle but also your assets. It also can pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having car insurance greatly outweigh the cost, especially if you ever need it. But the average American driver is overpaying over $750 every year so you should quote and compare rates once a year at a minimum to ensure rates are inline.
Learn about insurance coverages for a Chevy Malibu
Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Auto collision coverage
Collision coverage covers damage to your Malibu resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as driving through your garage door, damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible on your Malibu to bring the cost down.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like ambulance fees, X-ray expenses, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Liability coverage will cover damages or injuries you inflict on other's property or people. It protects you against claims from other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/10 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims such as repair costs for stationary objects, loss of income and court costs. How much coverage you buy is up to you, but buy as much as you can afford. Kansas state minimum liability requirements are 25/50/10 but you should think about purchasing more liability than the minimum.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection when other motorists are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Malibu.
Since a lot of drivers carry very low liability coverage limits (25/50/10), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like a broken windshield, theft, fire damage, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Smart consumers save more
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. Your goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.
Drivers change insurance companies for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, questionable increases in premium and even policy cancellation. No matter why you want to switch, finding the right auto insurance provider can be easy and end up saving you some money.
In this article, we covered a lot of information how to find cheap Chevy Malibu insurance in Overland Park. It's most important to understand that the more rate quotes you have, the better likelihood of getting cheaper Overland Park car insurance quotes. Consumers may even find the best price on auto insurance is with the least-expected company.
For more information, feel free to browse the following helpful articles:
- Teen Driving Statistics (GEICO)
- How Much is Car Insurance for a 20 Year Old Male in Kansas? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Kansas? (FAQ)
- What Car Insurance is Cheapest for Active Military in Kansas? (FAQ)
- How Much are Auto Insurance Quotes for Drivers with a DUI in Kansas? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)
- Insurance Losses by Make and Model (iihs.org)