Cheap Insurance Quotes for a Chevrolet Malibu in Texas

Your ability to find the best cheap auto insurance for a Chevrolet Malibu in Texas relies on many rating criteria such as your age, whether or not you have filed claims in the past, and the deductible amount you use. Texas drivers pay on average $870 a year to buy insurance for a Chevrolet Malibu, but that amount is a ballpark figure calculated based on a 50-year-old single male driver that wants full physical damage coverage and $1,000 physical damage deductibles.

It’s highly likely that you are not 50 years old and maybe not even male, married instead of single, or maybe you prefer higher deductibles. Auto insurance is not “one size fits all”, so the best method for finding the cheapest rates for your Chevrolet is to compare as many rates as you can.

Cheapest Chevrolet Malibu Insurance Rates

The trim level of your vehicle tends to have a direct impact on price, so the price you will pay to insure a Malibu LS trim level will be $76 lower than the insurance cost for the more well-appointed Malibu LTZ trim level, as shown below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can raise or lower insurance rates substantially.

Ratings for Texas car insurance companies

Selecting a good quality insurance company can be difficult considering how many companies sell coverage in Texas. The company rank data listed below can help you choose which auto insurers to look at putting your business with.

The rankings below include companies that write coverage in many states, so companies that focus mainly on Texas business will not be included in the list. If you would like to check rates from the most competitive companies in Texas, simply click here.

Top 10 Large Auto Insurance Companies in Texas Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Top Companies for Chevrolet Malibu Insurance in Texas

Tickets and at-fault accidents raise rates

The common sense way to receive cheap insurance for a Chevrolet Malibu in Texas is to be an attentive driver and not receive tickets or have accidents. The example below demonstrates how traffic citations and fender-benders can increase car insurance rates for different insured age categories. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2727,3337,5845],[‘Age 30’, 1849,2455,4963],[‘Age 40’, 1727,2335,4845],[‘Age 50’, 1511,2119,4627],[‘Age 60’, 1459,2073,4577],[‘Age 70’, 1721,2329,4839]]);var options = {title: ‘Effect of Citations and Accidents on Texas Chevrolet Malibu Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Malibu in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy in Texas per year with no violations or accidents is $1,832. Receive two speeding tickets and the average cost jumps to $2,441, an increase of $609 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Chevrolet Malibu increases to an average of $4,949. That’s an increase of $3,117, or $260 per month, just for not being a responsible driver!

Here’s why you should compare rates often

Texas car insurance rates are impacted by many factors that control the cost of a policy. Simply having another birthday, adding a teenager to your policy, or having an accident can cause premium changes resulting in some rates now being cheaper than before.

Not only may your situation change, but car insurance companies file new Texas car insurance rates as needed in order to protect their financial rating. Unexpectedly high claims may cause higher rates, while a lower level of claims can result in lower-priced Malibu insurance rates.

To illustrate this point, the graph below shows rates for the cheapest car insurance in Texas for a 45-year-old female driver with a good driving record, no prior claims, and great credit. When comparing rates based on her personal profile, Travelers has the lowest car insurance rates in Texas at $1,041 a year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the top five cheapest Texas auto insurance companies.

google.charts.setOnLoadCallback(drawTXWitcqcibChart);function drawTXWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1041, ‘#53860C’],[‘USAA’, 1084, ‘#456F0A’],[‘Texas Farm Bureau’, 1247, ‘#395C08’],[‘Germania Mutual’, 1256, ‘#2F4C06’],[‘Esurance’, 1421, ‘#273F05’]]);var options = {title: ‘Best Auto Insurance Rates for a Chevrolet Malibu’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1521,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will give the driver from the first rate comparison an at-fault accident, a little lower credit rating, and a traffic citation. Because every insurance company has their own guidelines for establishing rates, comparing rates could result in a substantially altered list of affordable Texas car insurance companies as shown below.

google.charts.setOnLoadCallback(drawTXWcqcibChart);function drawTXWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Mercury’, 1623.6, ‘#F57E00’],[‘USAA’, 1626, ‘#CC6900’],[‘State Farm’, 1661, ‘#AA5700’],[‘Nationwide’, 1760, ‘#8D4800’],[‘Safe Auto’, 1774.3, ‘#753C00’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1874.3,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Mercury now has the best price in Texas with USAA, State Farm, Nationwide, and Safe Auto also having competitive pricing. This shows why Texas drivers need to spend some time comparing rates when trying to get cheap car insurance rates for a Chevrolet Malibu.

Car insurance prices can be altered by many things and change substantially, so the lowest-price company the last time you checked may now be one of the higher cost companies.

How to get cheap insurance for a Chevrolet Malibu in Texas

It’s not impossible to find cheaper rates, and here are a few thrifty solutions that can help drivers get low-cost auto insurance.

• Good credit can mean cheaper rates
• Higher comprehensive and collision coverage deductibles will save money
• Do not file small claims
• Maintain a clean driving record
• Save money by insuring your home and auto with the same company
• At-fault accidents will increase rates
• Check for cheaper rates once a year

That last piece of advice is particularly important, as we noted in the prior article. Auto insurance rates in Texas can change considerably in a year, so don’t be hesitant to buy a different policy if a better deal can be had. Many drivers prefer to stick with one company, but is isn’t recommended if that devotedness results in you overpaying a small fortune. It only take a few minutes to compare prices to find cheaper auto insurance for a Chevrolet Malibu.

Cheap Chevrolet Malibu insurance quotes

Drivers have many ways to get cheap car insurance quotes in Texas, but the most preferred are from an exclusive insurance agency like Allstate or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive. They all have the same basic principle, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agents write business for many companies and can get rate quotes from all of them. Agents of this type are not locked into one company and can provide multiple price quotes, which can help you get a better overall rate comparison. If you want to switch companies, an independent agent can move your coverage and you don’t have to do anything.

An exclusive ageny is ‘exlusive’ to one insurance company such as a State Farm or Farmers agent. These agents are not able to quote rates from more than one company, so they really need to provide good service.

Direct car insurance buyers skip a local agent and buy direct online or over the phone from a company like Progressive or Esurance. This car insurance option may be the best choice drivers who do not have a lot of assets and have an above average understanding of what coverages they need.

So which of those three methods works best for finding cheap insurance for a Chevrolet Malibu in Texas? Most drivers assume that buying from a direct car insurance company saves the most money since there is no middleman, but that turns out to not be true. It could also be said an independent agent is the best way due to having more companies to select from, but again, that’s not a true statement. In the right set of circumstances, exclusive agents have extremely competitive rates that other car insurance companies cannot touch.

Since car insurance companies use so many rating factors, the one way to get the cheapest rates is to do a thorough rate comparison. It’s a good idea to get prices from all three to get an idea of which is cheapest. For a list of companies with cheap rates in Texas, click here to view.