Insurance for Chevy MalibuWant to know an easy way to compare more affordable Chevy Malibu insurance in Columbia? Price shopping your Chevy Malibu insurance in Columbia can be quite difficult for drivers not familiar with comparing prices online. With so many options of online companies, it can turn into a real hassle to find a more affordable company.

Unimaginable but true, most drivers kept their policy with the same company for at least four years, and nearly the majority have never taken the time to shop around. South Carolina drivers can save hundreds of dollars each year by just comparing quotes, but they just don't want to find cheap auto insurance rates.

If you are insured now, you will most likely be able to find the best rates using the concepts covered in this article. Our goal is to tell you how car insurance works and some tips to save money. But South Carolina drivers must understand how insurance companies set your policy premium because rates are impacted by many factors.

When comparison shopping, comparing more rates from different companies helps you find the best price.

The auto insurance companies shown below provide price quotes in South Carolina. If the list has multiple companies, it's a good idea that you click on several of them to get a more complete price comparison.

Chevrolet Malibu Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $168 $304 $328 $20 $98 $918 $77
Malibu Hybrid $282 $600 $444 $26 $132 $1,484 $124
Malibu LT $232 $378 $328 $20 $98 $1,056 $88
Malibu LTZ $302 $574 $352 $20 $106 $1,354 $113
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in zip code location which can raise or lower rates considerably.

Impact of careless driving on auto insurance rates

The example below illustrates how violations and fender-benders influence Chevrolet Malibu premium costs for each different age group. The information is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

When should I talk to an agent?

Many people still prefer to buy from a local agent and that is recommended in a lot of cases A good thing about comparing insurance online is that you can find better rates but also keep your business local.

Insurance agency in ColumbiaTo help locate an agent, after submitting this form (opens in new window), the quote information is submitted to local insurance agents who will give competitive quotes for your coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies because prices are sent immediately to your email address. You can find better rates and a licensed agent to talk to. If for some reason you want to compare rates for a specific company, you would need to navigate to their website and complete a quote there.

Picking the best company requires more thought than just a low price. Any agent in Columbia should be forthright in answering these questions:

What types of auto insurance agents are in Columbia?

If you are wanting to purchase insurance from a reliable insurance agent, it's helpful to know the different agency structures and how they operate. Insurance policy providers may be either exclusive or independent.

Exclusive Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums. Consumers frequently choose to use a exclusive agent mostly because of loyalty to the company and the convenience of having all coverages with one company.

Listed below are Columbia exclusive insurance agencies willing to provide price quotes.

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Independent Agents (or Brokers)

Independent agents are not employed by one company and that allows them to write policies with multiple insurance companies and find the cheapest insurance rates. If prices rise, they simply move the coverage in-house which is easy for the insured. If you need lower rates, we recommend you compare quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most have the option of insuring with small mutual carriers which can be an advantage.

Listed below are independent insurance agents in Columbia that can give you price quote information.

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Once you have received good responses to these questions as well as an affordable premium quote, you have narrowed it down to an insurance agency that is a good match to properly insure your vehicles.