Compare 1995 Volvo 960 Insurance Quotes

Trying to find better insurance rates for your Volvo 960? Trying to come up with a payment for high-priced insurance can empty your budget and possibly require you to analyze your spending habits.

Due to the fact that there are so many different company options, it can be impossible to locate the most cost effective insurance company.

It’s important to shop coverage around periodically because insurance prices are usually higher with each renewal. Even if you got the best rates on 960 insurance six months ago there is a good chance you can find better rate quotes now. You can find a lot of information about insurance online but I’m going to show you some of the best ways to slash your insurance rates.

Affordable auto insurance

There are a lot of ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company can provide price quotes for coverage. This system prevents you from having to do quotation requests for every auto insurance company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to comparing rates this way is you can’t choose which providers to receive prices from. So if you prefer to choose individual companies to compare, we put together a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing equivalent coverage limits with every price quote. If you are comparing different deductibles you can’t possibly get a fair rate comparison. Just a small difference in coverages can result in a big premium difference. Just keep in mind that quoting more helps you find a lower rate.

These discounts can lower your auto insurance quotes

Some providers don’t always publicize all disounts very clearly, so below is a list a few of the more common and the harder-to-find auto insurance savings.

  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Good Students Pay Less – This discount can save 20 to 25%. You can use this discount normally until age 25.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more on 960 insurance than drivers with accident claims.
  • First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper due to better safety requirements for newer vehicles.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on 960 insurance with a few auto insurance companies.

Remember that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Insurance companies that may offer policyholders most of the discounts above possibly include:

If you need lower rates, check with every insurance company the best way to save money. A few discounts might not be available to policyholders in your area. If you would like to see a list of companies who offer cheap auto insurance quotes, click here to view.

Smart buyers can reduce their insurance costs

It’s important that you understand some of the factors that aid in calculating your insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower insurance prices.

  • Getting married reduces risk – Getting married may cut your premiums on insurance. It translates into being more financially stable it has been statistically shown that married couples file fewer claims.
  • Save money by having high credit – Having a bad credit score factor in calculating your premium rate. Drivers who have excellent credit tend to file fewer claims as compared to drivers with poor credit scores. If your credit history can use some improvement, you could pay less to insure your 1995 Volvo 960 by improving your credit score.
  • Safety ratings are a factor – Safer cars tend to be cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums. If your Volvo 960 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Reserve insurance claims for larger damages – Companies award the best rates to people who are claim-free. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended for the large, substantial claims.
  • More traffic means higher claims – Being located in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas regularly have more aggressive driving styles and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
  • Male costs may be higher – Statistics have proven females are less aggressive when driving. This data doesn’t prove that women are better drivers. Women and men cause fender benders at about the same rate, but men tend to have higher claims. They also receive more costly citations such as DWI and reckless driving.

Different people need different insurance coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Are my friends covered when driving my 1995 Volvo 960?
  • Do I need replacement cost coverage on my 1995 Volvo 960?
  • Can I still get insurance after a DUI?
  • Are split liability limits better than a combined single limit?
  • Is extra glass coverage worth it?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like prosthetic devices, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Volvo 960.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

This coverage will pay to fix damage to your 960 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hitting a bird, vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, attorney fees, funeral expenses, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage on a shoestring budget

We just showed you a lot of ways to reduce 1995 Volvo 960 insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may be surprised to find that the most savings is with the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

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