View 1997 Volvo 850 Car Insurance Quotes

Looking for cheaper insurance rates for your Volvo 850? Nobody that owns a car looks forward to paying for insurance, especially when they are aware that the price is too high.

Companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with catchy ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

How to buy insurance online

There are several ways to compare insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get rates in a matter of minutes.

All the larger companies belong to an insurance system that enables customers to send in one quote, and at least one company provides a quote based on that information. This system prevents you from having to do quote requests to each company.

To submit your quote information now, click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose the companies you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have assembled a list of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages for every company. If each company quotes differing limits it will be next to impossible to make an equal comparison. Having just a slight variation in coverage limits could skew the results. And when comparing insurance rates, know that comparing a large number of companies helps you find the best rates.

You can change your insurance costs

Part of the car insurance buying process is learning a few of the rating criteria that help determine your car insurance rates. If you have a feel for what influences your rates, this helps enable you to make changes that can help you get cheaper rates.

  • Occupation stress can make you pay more – Jobs such as military generalspolice officers and stock brokers are shown to have higher rates than the rest of us due to intense work-related stress and lots of time spent at work. On the other hand, occupations such as actors, athletes and performers receive lower rates for 850 insurance.
  • With age comes lower rates – Young drivers are known to get distracted easily in a vehicle and because of this, their car insurance rates are much higher. Adding a young driver onto your car insurance can cause a big jump in price. Older people tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Only buy what you need – There are quite a few extra bells and whistles that may not really be needed if you don’t pay attention. Coverages for vanishing deductibles, better glass coverage, and additional equipment coverage could be just wasting money. The coverages may be enticing initially, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Good drivers pay better rates – Drivers who don’t get tickets get better rates than their less careful counterparts. Even one moving violation may increase your cost substantially. Drivers who have received license-revoking violations such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Getting married can save on car insurance – Getting married can actually save you money on your policy. It translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Your gender affects rates – Over time, data shows that men are more aggressive behind the wheel. It does not mean men are worse drivers. Men and women tend to get into accidents in similar percentages, but guys tend to have higher claims. Men also tend to get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Improve your credit score and save – Having a bad credit rating will be a significant factor in your rate calculation. People that have good credit tend to be more responsible and file fewer claims than drivers with bad credit. So if your credit history is not that good, you could save money insuring your 1997 Volvo 850 if you clean up your credit.

Save a ton by taking advantage of discounts

Some companies do not list all their discounts very clearly, so the next list breaks down a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Renewal Discounts – A few insurance companies offer discounts for switching companies before your current expiration date. You can save around 10% with this discount.
  • Waiver for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual and Geico will forgive one accident without the usual rate increase so long as you are claim-free for a specific time period.
  • Braking Control Discount – Cars with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Policy Bundle Discount – If you can bundle your home and auto insurance with the same company you will save at least 10 to 15 percent or more.

We need to note that many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

How much insurance coverage do I need?

When choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether or not you may require specific advice.

  • Is my state a no-fault state?
  • What discounts do I qualify for?
  • Do I benefit by insuring my home with the same company?
  • Am I better off with higher deductibles on my 1997 Volvo 850?
  • What exactly is covered by my policy?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Coverage specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability – Liability coverage will cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover 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. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as medical expenses, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo 850.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, chiropractic care, funeral costs, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Have the Midas touch

In this article, we presented many ways to shop for 1997 Volvo 850 insurance online. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest insurance. Consumers may even find the most savings is with an unexpected company. They often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

Cheaper 1997 Volvo 850 insurance is possible from both online companies and also from your neighborhood agents, so get free insurance quotes from both of them so you have a total pricing picture. There are still a few companies who don’t offer price quotes online and these regional carriers only sell through independent insurance agents.

As you quote insurance, never skimp on coverage in order to save money. In many instances, drivers have reduced full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

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