Compare 2005 Volvo S60 Insurance Quotes

Trying to find the cheapest insurance rates? Buyers have many options when searching for affordable Volvo S60 insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to buy insurance so we’re going to tell you the best way to price shop coverage for a new or used Volvo and obtain the best price possible either online or from local insurance agents.

Consumers should take time to check insurance prices yearly because insurance rates trend upward over time. If you had the best deal on S60 coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use the internet to buy cheaper insurance.

If you are insured now or need a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. This article will let you in on how to effectively get price quotes and some money-saving tips. Drivers just need to learn the tricks to shop for insurance over the internet.

Get affordable auto insurance with discounts

Companies that sell car insurance do not list every available discount very well, so we took the time to find some of the best known as well as the least known discounts that you may qualify for. If you don’t get every credit available, you are throwing money away.

  • Cautious Driver Discount – Insureds who avoid accidents can pay as much as 50% less on S60 coverage compared to rates paid by drivers with frequent claims.
  • Telematics Data Discounts – Drivers who agree to allow companies to scrutinize driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
  • Distant College Student Discount – living away from home attending college and do not take a car to college may be able to be covered for less.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for lower premium rates on S60 coverage.
  • Club Memberships – Affiliation with certain professional organizations could earn you a nice discount on your next renewal.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get better premium rates on cars that stay parked.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.

Just know that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free auto insurance policy, companies don’t profit that way.

A few popular companies and some of the discounts are shown below.

  • Geico has discounts for seat belt use, anti-lock brakes, five-year accident-free, good student, anti-theft, and federal employee.
  • Travelers has savings for multi-car, new car, good student, hybrid/electric vehicle, early quote, driver training, and continuous insurance.
  • Farm Bureau may have discounts that include driver training, multi-vehicle, youthful driver, renewal discount, safe driver, multi-policy, and good student.
  • Liberty Mutual offers discounts for newly retired, new move discount, new graduate, hybrid vehicle, multi-policy, preferred payment discount, and good student.
  • American Family offers premium reductions for early bird, mySafetyValet, accident-free, defensive driver, and Steer into Savings.
  • Progressive may include discounts for homeowner, online signing, good student, multi-policy, and multi-vehicle.

Before buying, ask all companies you are considering the best way to save money. Some discounts listed above might not apply in your area.

Why you might pay higher rates

Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are more transparent like your continuous coverage or how safe your car is.

  • GPS tracking and theft deterrents lowers rates – Choosing to buy a car with a theft deterrent system can help bring down rates. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.
  • Better rates on safer cars – Safer cars tend to have lower insurance rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries means your insurance company pays less and lower rates for you. If your Volvo has at least four stars on Safercar.gov you may qualify for a discount.
  • Do you have enough liability protection? – The liability section of your policy will provide protection when you are ruled to be at fault for causing personal injury or damage in an accident. It will provide you with a defense in court to attempt to prove you were not liable. It is affordable coverage as compared to coverage for physical damage, so do not cut corners here.
  • Lower coverage deductibles cost more – Physical damage protection, also called ‘full coverage’, insures against damage to your Volvo. Examples of covered claims are collision with another vehicle, damage caused by hail, and damage caused by flying debris. The deductibles you choose define the amount you are required to spend if a claim is determined to be covered. The larger the amount you are required to pay out-of-pocket, the lower your rates will be on S60 coverage.
  • Tickets increase prices – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets get better rates compared to drivers with tickets. Having a single moving violation may cause rates to rise by twenty percent. People who have severe citations like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Premiums drop with age – Older people are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Youthful drivers tend to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher insurance rates.
  • Always keep your policy in force – Going without insurance will be a fast way to bump up your insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance may earn you a license revocation or jail time.
  • Drivers with responsible credit save on insurance – An insured’s credit score factor in determining what you pay. Therefore, if your credit history is not that good, you may save money insuring your 2005 Volvo S60 if you clean up your credit. People with high credit scores tend to file fewer claims than those with lower credit scores.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • If my 2005 Volvo S60 is totaled, can I afford another vehicle?
  • How can I find cheaper teen driver insurance?
  • What companies insure drivers after a DUI or DWI?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I hit a deer?
  • What is the ISO rating for a 2005 Volvo S60?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

Liability coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, funeral costs, hospital visits and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your S60 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed and falling objects. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote often and quote early

You just read many ideas to shop for 2005 Volvo S60 insurance online. The key concept to understand is the more you quote auto insurance, the better your chances of lowering your premium rates. You may even find the most savings is with some of the lesser-known companies.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Consumers switch companies for any number of reasons including policy cancellation, being labeled a high risk driver, high rates after DUI convictions or an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

More detailed car insurance information is available by following these links: