Cheap Insurance for a Chevrolet Malibu in Hawaii

Our content editors always give us grief that when writing about car insurance, the word “cheap” should never appear as a descriptor for auto insurance rates. Despite the oxymoron, cheap car insurance for a Chevrolet Malibu can be hard, if not impossible, to find. But don’t let us ruin your dream, because we will tell you how you can find car insurance that is cheaper than your current policy.

The chances that you’ll find affordable car insurance for a Chevrolet Malibu in Hawaii depends upon dozens of factors such as if you own your home, your credit history, and your policy deductibles. Drivers pay an average of $660 annually for Malibu insurance, but that amount is a valuation calculated based on a 40-year-old single male driver who needs full coverage and $1,000 deductibles.

If we were betting, you are not exactly 40 years old and possibly not even male, you might be married instead of single, or possibly you just want cheap liability coverage. Even a very minor difference in rating criteria or coverage limits can cause significant differences in how much insurance for a Chevrolet Malibu costs.

Auto insurance is not “one size fits all”, so the best way to find cheap auto insurance rates for your Chevrolet is to make a habit of comparing rates at every renewal.

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The specific trim level will likely have an effect on the yearly cost, so the price you will be charged to insure a Malibu LS model will be $60 cheaper than the price to insure the more well-appointed Malibu LTZ trim level, as demonstrated by the prices below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in garaging location in Hawaii which can affect insurance rates significantly.

Buying coverage from a high-quality insurer is difficult considering how many companies there are to choose from in Hawaii. The ranking information listed below may help you select which coverage providers to look at when shopping car insurance rates for a Chevrolet Malibu. These rankings are for companies who write in the majority of U.S. states, so companies that only write business in Hawaii or surrounding areas are not taken into consideration for this list.

Top 10 Major Auto Insurance Companies in Hawaii Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. Allstate
6. American Family
7. AAA Insurance
8. Nationwide
9. Liberty Mutual
10. Farmers Insurance

Top Companies for Chevrolet Malibu Insurance in Hawaii

Reckless driving habits raise insurance rates

The recommended way to snag cheap insurance rates for a Malibu is to be a good driver and not receive tickets or have accidents. The example below highlights how speeding tickets and accidents drive up annual premium costs for different categories of driver ages. The price estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of auto insurance in Hawaii per year with no violations or accidents is $1,202. Factor in two speeding tickets and the average cost hikes up to $1,651, an increase of $448 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for a Chevrolet Malibu goes up to an average of $2,108. That’s an increase of $905, or $75 per month, just for not driving responsibly!

Ideas for buying cheaper car insurance for a Chevrolet Malibu

The list below details some of the better thrifty ideas that can help drivers locate lower-cost auto insurance.

• Being accident-free can lower rates significantly
• Increase your credit score
• Having too many claims will increase rates substantially
• Higher deductibles mean lower rates
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Save money by insuring your home and auto with the same company
• Keep rates low by shopping around frequently

That last tip is incredibly vital, as we noted in the prior information. Auto insurance rates vary greatly, so don’t be tentative to buy a policy from a new company if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. In just a couple of minutes you could compare prices to find cheaper insurance for a Chevrolet Malibu.

Who has the cheapest Chevrolet Malibu insurance quotes?

There are quite a few ways to get cheap insurance quotes in Hawaii, but the three most common ways are through an exclusive insurance agent such as Auto-Owners or State Farm, an independent insurance agent, or from a direct company like Geico or Progressive.

They all have the same basic principle, but it’s good to know the differences in how they provide rate quotes.

Independent agents have contracts with many companies and can quote your policy with every one. These types of agents can quote rates with many companies, which may give you the best chance of saving money. If a cheaper price is found, your policy is moved internally which is easy for the insured.

Exclusive agents are only able to write business for one insurance company, two popular examples being Allstate and Liberty Mutual agents. Exclusive agents are unable to place coverage with different providers, so it’s a take it or leave it situation.

Insurance from a direct company means you bypass an independent or exclusive agent and instead shop direct either online or via phone. This insurance option may be good for people who have fewer assets and have some degree of understanding of what specific coverages they need.

Which method is best for finding cheap insurance for a Chevrolet Malibu in Hawaii? Most drivers assume that shopping direct results in the best prices because you bypass the middleman, but in reality, that is not the case. It would also be easy to say buying insurance from an independent agent guarantees the best prices because they can quote many companies, but that’s not always true, either. And sometimes, exclusive agents may have prices well below independent agents AND direct companies.

Since insurance rates vary so much, the guaranteed way to make sure you’re not overpaying for insurance is to do a thorough rate comparison. Take some time and get prices from all three types in order to be able to find the lowest price. For a list of insurance companies with low rates, click here to view.