I did some checking around, most of these Cobalts from the 90's and 2000's with a 6 speaker setup seem to be wired like BB said above. Port side bow and middle are together in series, aft speaker solo on it's own channel, and then the same thing on the starboard side. No external amplifier, just the head unit powering all 6 speakers. I also learned Cobalt isn't exactly known for amazing sound systems in these years. To verify this you can do the battery test mentioned by jhnmdahl above, or you can unplug the speaker wires from the back of the head unit and do a resistance test with a multi meter. The two channels for the speaker pairs linked in series should have around 6-8 ohm resistance through the speakers and back, the solo channels should have around 3-4 ohm resistance.
Here's what I would recommend to improve the sound for you, or anybody else that reads this thread:
1) Replace the head unit. You could add an amp like I mentioned above, but if that's not enough for you then you'll just end up quickly replacing it. The head unit I recommend (and I just ordered today for my own Cobalt 232) is the Sony MEX-M100BT Marine CD receiver with Bluetooth. This head unit is pretty unique right now because it basically has one of those Class D bricks (like the Alpine KTP-445U I talked about above) built right into it and it's rated at a continuous 40W x 4 RMS and a peak of 100W x 4 all by itself. This gives you the benefit of a new amp and a new head unit in a two for one purchase with very little installation work.
• Bonus, it's a Sony like your factory head unit so it should be almost plug and play, and it's also most likely to work with your original Sony remotes without any additional equipment. You could probably call Sony or Crutchfield to verify this if you give them the model number of your current head unit. Also, I said "almost" plug and play because you will definitely want to run a dedicated power wire (probably something like 12 gauge) to the battery and to a good ground point to feed that bigger than normal internal amp.
• Another bonus, you could probably run your speakers in series OR in parallel if you want. It's not specifically rated for a 2 ohm load in the specs, but the Class D amps inside should handle 2 ohm just fine as a few car audio tests have shown. Here's a video link of it being dyno tested by Sonic Electonix at both 4 ohm and 2 ohm, and they said Sony told them that it's fine to do both. Also note that they tested the MEX-XB100BT, which internally is the exact same thing as the MEX-M100BT, just without some waterproofing for use in cars:
https://www.youtube.com/watch?v=0zkLwQVHxfI
• Up until last week this head unit was $270, it just went on sale for $200 starting this week. They're probably getting rid of current stock before a new 2018 version gets released.
https://www.crutchfield.com/p_158M100BT ... 100BT.html
2) Replace the speakers. New speakers with the old head unit are not going to do much, garbage in and garbage out, so that's why I placed them at number 2 on the list. You'll want to get something with a higher sensitivity (-90 db is more sensitive than -80 db) to make the most of that 40 watts of power you give them from the head unit. I've used both the JBL GTO series and the Polk DB series in the past. They both have great sensitivity and neither of them are really expensive, but they're still both good quality speakers. I like the Polk speakers better because they are rated for, and respond better to, the lower frequencies for maximum bass response without a dedicated subwoofer. These are also rated up to a continuous 120W rms and a Peak of 360W, so they'll still work really well if you go with a bigger external amp to make more noise later. I purchased a 4-pack of Polk DB651 speakers for my boat on Amazon for $120 here:
https://www.amazon.com/gp/product/B00MI ... UTF8&psc=1
3) Now if you're still not happy with the sound you can add a bigger amp and/or a subwoofer and there's lots of ways it could go from here, as the OP klennop already did on his boat. Personally, I think I'll be happy with just the above on my boat. If for some reason I decide I really want a little more base I might add a single channel amp to the system. In fact, while writing this I just remembered I have an unused 10" Infinity subwoofer sitting above my garage from an old car audio project, so if I can find a cheap enclosure and a cheap mono amp that I like I'll probably blow the dust off that box add it to my boat.
I would not worry about running new speaker wires until you get to step 3 and add power amplifiers that exceed 40W rms per channel. I might on my boat if it's easy to reach and pull them though, but only because I have half a spool still sitting in my garage from my last project on a car a couple years ago.
Final tip for the readers, don't crimp or twist wires together on boats, cars, trucks, etc. If you just solder, then use a dab of liquid electical tape, and then cover it with self sealing heat shrink it really won't add too much time to the job and will save you soooooo much hassle chasing loose or corroded connections later on. There you go, sorry this post turned into a book.
-Nate