Compare 1996 Volvo 960 Insurance Rates

Want lower insurance rates for your Volvo 960? When trying to find lower-cost insurance, do you get confused by the sheer number of insurance providers available to you? You’re not alone. There are such a large number of options that it is a challenge to find a cheaper company.

First Step: Get free insurance quotes

There are multiple methods to shop for insurance, but one way is more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many companies enroll in a system that enables customers to submit one quote, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which carriers to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure you’re using exactly the same coverages on every quote you get. If the quotes have different values for each quote it will be impossible to get a fair rate comparison. Just a small difference in coverages can result in a big premium difference. It’s important to know that comparing all the rates in your area increases your odds of finding lower pricing. Not every company provides online rate quotes, so you also need to get quotes from those companies as well.

You may qualify for discounts

Some insurers do not list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as some of the hidden credits available to you.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
  • Multi-policy Discount – When you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.
  • Responsible Driver Discount – Insureds who avoid accidents may save up to 50% more for 960 insurance as compared to drivers with claims.
  • Resident Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
  • Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower rates.
  • Student Driver Training – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
  • Air Bag Discount – Cars that have air bags may get savings of 25 to 30%.
  • Discount for Life Insurance – Some auto insurance companies give a lower auto insurance rate if you buy life insurance.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn better premium rates on cars that stay parked.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will definitely reduce your premiums.

Some of the insurance companies that may have these money-saving discounts include:

Before purchasing a policy, check with every insurance company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in your area.

There’s no such thing as the perfect auto insurance policy

When buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Are rental cars covered under my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if hit by an uninsured driver?
  • I have a DUI can I still get coverage?
  • Are rock chip repairs covered?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Detailed coverages of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Volvo 960.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, medical services and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This covers damage to your 960 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail, hitting a mailbox, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage