1993 Volvo 850 Car Insurance Quotes

Paying for expensive Volvo 850 insurance can eat up your checking account and maybe even restrict other spending. With vehicle owners having so many options when it comes to auto insurance, it’s nearly impossible to find the right company.

You should make it a habit to check auto insurance prices on a regular basis because insurance prices are adjusted regularly by insurance companies. Just because you found the best deal on 850 coverage on your last policy other companies may now be cheaper. There is a lot of wrong information about auto insurance on the web, but in this article, you’re going to get some of the best techniques to lower your auto insurance premiums.

Drivers save money with these rate-reducing discounts

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so the list below gives a summary of some of the more common and the more hidden auto insurance savings.

  • Low Mileage – Maintaining low annual mileage could earn discounted premium rates on garaged vehicles.
  • Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance coverage on 850 coverage depending on your company.
  • Senior Citizen Rates – Mature drivers may receive better auto insurance rates on 850 coverage.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to track when and where they use their vehicle by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • Claim Free – Drivers who don’t have accidents get the best auto insurance rates in comparison with frequent claim filers.
  • New Car Discount – Putting auto insurance coverage on a new car is cheaper since new vehicles are generally safer.
  • Homeowners Savings – Just being a homeowner can save a few bucks since home ownership is proof that your finances are in order.
  • Auto/Life Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance in addition to your auto policy.

Please keep in mind that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and some of the discounts are detailed below.

  • State Farm discounts include accident-free, student away at school, safe vehicle, multiple autos, good student, and passive restraint.
  • Geico has discounts for defensive driver, multi-policy, seat belt use, five-year accident-free, and federal employee.
  • Allstate policyholders can earn discounts including resident student, good payer, early signing, auto/life discount, and 55 and retired.
  • SAFECO has savings for homeowner, drive less, safe driver, teen safety rewards, and teen safe driver.
  • Farm Bureau offers discounts including renewal discount, 55 and retired, good student, driver training, multi-policy, and multi-vehicle.
  • Progressive may include discounts for good student, multi-vehicle, continuous coverage, homeowner, online signing, and multi-policy.
  • AAA offers premium reductions for AAA membership discount, education and occupation, good student, anti-theft, and good driver.

Before you buy a policy, ask each company which credits you are entitled to. Discounts might not apply in your area. To see a list of insurance companies that offer some of these discounts, click this link.

Buy auto insurance online

Most larger insurance companies such as Allstate and Progressive give pricing online. Getting online quotes can be done by anyone as you simply type in your personal and coverage information as requested by the quote form. Upon sending the form, the company’s rating system pulls reports for credit and driving violations and generates a price based on the information you submitted. Online quotes makes comparing rates easy, but the time required to go to several different sites and complete many quote forms is a waste of time. But it’s very important to do this in order to find a lower rate.

Isn’t there an easier way to compare rates?

The smarter way to find better auto insurance pricing uses just one form that obtains quotes from many companies. It’s a real time-saver, requires less work, and makes rate comparisons much more efficient. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. The entire process only takes a few minutes and may result in a nice savings.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate the limits and deductibles just like they are on your policy. This helps ensure you will be getting a rate comparison for the exact same coverage.

Do I need special coverages?

When buying adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if you could use an agent’s help.

  • What happens if I owe more than my 1993 Volvo 850 is worth?
  • Is a blown tire covered by insurance?
  • Do all my vehicles need collision coverage?
  • Can my babysitter drive my car?
  • Why am I required to buy high-risk coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverage specifics

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, fire damage, damage from a tornado or hurricane, a broken windshield and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, X-ray expenses, doctor visits, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 1993 Volvo 850.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

This pays for damage to your 850 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, rolling your car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage

This coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Final considerations

When you buy insurance coverage online, never skimp on coverage in order to save money. There have been many cases where an accident victim reduced collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

You just learned a lot of techniques to shop for 1993 Volvo 850 insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest insurance coverage. You may even find the most savings is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Additional auto insurance information can be found at the links below