1994 Volvo 960 Insurance Quotes

Baffled by the wide range of car insurance providers? Many other people are too. Drivers have such a large number of options that it is a big hassle to compare premium rates.

Smart consumers can lower their insurance prices

Many things are used in the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, but other criteria are not as apparent like your vehicle usage or how financially stable you are.

The factors shown below are some of the items that factor into your rate level.

  • Your vocation may affect premiums – Careers like judges, architects and dentists are shown to have higher rates than the rest of us in part from intense work requirements and long work hours. Conversely, professions such as professors, historians and the unemployed get better rates on 960 coverage.
  • Your address can affect rates – Choosing to live in less populated areas of the country may provide you with better prices when buying insurance. City drivers tend to have congested traffic and longer commute times. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims.
  • Only buy what you need – There are a lot of additional coverages that can add up if you aren’t diligent. Insurance for things like personal injury protection, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem good at first, but if you’ve never needed them in the past remove them from your policy.
  • Can a thief steal your car? – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
  • Avoid insurance lapses – Allowing your coverage to lapse can be a quick way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance may result in a steep fine or even jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Volvo scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Cheaper premiums for being claim-free – If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Insurance companies give cheaper rates to people who are claim-free. Your car insurance is meant to be used in the event of the large, substantial claims.

Discounts can really help to save

Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but some must be specially asked for before you get the savings. If they aren’t giving you every credit available, you could be saving more on your insurance.

  • Military Discounts – Having an actively deployed family member could mean lower insurance rates.
  • College Student – Older children living away from home attending college and leave their car at home could qualify for this discount.
  • Driver Safety – Taking a course teaching defensive driver skills could save 5% or more if you qualify.
  • Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote insurance on 960 coverage depending on your company.
  • Student Discount for Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course if it’s offered in school.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy with one company you may save at least 10 to 15 percent or more.
  • Low Miles Discount – Maintaining low annual mileage can earn lower premium rates due to less chance of an accident.

Remember that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Popular insurance companies and some of their more popular discounts include:

  • State Farm discounts include defensive driving training, good driver, safe vehicle, Drive Safe & Save, student away at school, multiple autos, and anti-theft.
  • Esurance has savings for Pac-12 alumni, paid-in-full, defensive driver, anti-theft, good driver, and online quote.
  • Progressive offers discounts including multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
  • Liberty Mutual may include discounts for teen driver discount, new graduate, safety features, multi-policy, new vehicle discount, and new move discount.
  • Auto-Owners Insurance offers premium reductions for paid in full, group or association, good student, safe vehicle, safe driver, mature driver, and anti-theft.
  • Geico has discounts for good student, military active duty, daytime running lights, five-year accident-free, seat belt use, driver training, and anti-theft.

If you want affordable insurance quotes, ask each company to apply every possible discount. All car insurance discounts may not apply to policyholders in every state. To see providers with significant discounts, follow this link.

Will just any policy work for me?

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might point out whether you might need an agent’s assistance.

  • What are the best liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my babysitter covered when using my vehicle?
  • Is rental equipment covered for theft or damage?
  • What companies insure drivers after a DUI or DWI?
  • Should I bundle my homeowners policy with my auto?
  • How many claims can I have before being cancelled?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for rehabilitation expenses, surgery, funeral costs, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees, medical expenses, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your 960 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

Some companies do not offer price quotes online and usually these small, regional companies sell through independent agents. The cheapest 1994 Volvo 960 insurance is available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

When searching for cheap insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price.

We covered quite a bit of information on how to reduce 1994 Volvo 960 insurance rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Much more information about car insurance is located at these links: