Compare 2010 Volvo C30 Car Insurance Quotes

I can’t think of a single person who rejoices having to buy auto insurance, especially when they know it costs too dang much.

Vehicle owners have many car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.

You should take the time to compare prices occasionally due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rate for C30 coverage a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. But vehicle owners need to have an understanding of how companies compete online.

Compare free car insurance rate quotes

There are a variety of methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to achieve your goal.

Most of the larger companies take part in a program where prospective buyers submit their information once, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quote requests for each company.

To find out how much you can save on car insurance click here (opens in new window).

The single downside to doing it this way is buyers cannot specifically choose which carriers you will receive quotes from. If you prefer to choose individual companies to request quotes from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use identical quote data for every company. If you compare unequal deductibles or liability limits it will be impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices increases the change that you will find lower pricing. Not every company provides online quotes, so it’s important to compare price estimates from those companies as well.

Is there deception in advertising?

Respected companies like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. All the ads say the same thing that you’ll save big if you switch to them. How do they all sell you cheaper insurance coverage? You have to listen carefully.

All the different companies have a certain “appetite” for the driver they prefer to insure. A good example of this type of risk profile might be described as married and over the age of 30, has never had a claim, and has great credit. Anyone who matches that profile will get very good prices as well as save money with a new company.

Consumers who do not match these stringent criteria will get a higher premium and ends up with business going elsewhere. The ad wording is “drivers that switch” not “all people who quote” save that much money. This is how insurance companies can confidently state the savings. Because of the profiling, you need to get insurance coverage quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have the lowest rate quotes.

Insurance policy discounts you can’t miss

Some insurance providers don’t always publicize all disounts very clearly, so we break down some of the best known as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Student Discount for Driver Training – Teen drivers should take driver’s ed class as it can save substantially.
  • Early Switch Discount – Some larger companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
  • Discount for Life Insurance – Larger insurance companies have a small discount if you purchase auto and life insurance together.
  • Accident-Free Discounts – Claim-free drivers can save substantially in comparison with drivers who are more careless.

Please keep in mind that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

The best insurance companies and some of their more popular discounts are detailed below.

  • Farm Bureau may include discounts for driver training, multi-policy, safe driver, good student, and multi-vehicle.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, multi-car, multi-policy, safety features, and exclusive group savings.
  • State Farm has savings for student away at school, good driver, Drive Safe & Save, driver’s education, and accident-free.
  • Auto-Owners Insurance may have discounts that include air bags, good student, anti-lock brakes, student away at school, multi-policy, and mature driver.
  • Geico has discounts for driver training, multi-vehicle, defensive driver, multi-policy, five-year accident-free, and federal employee.
  • SAFECO offers discounts including homeowner, accident prevention training, drive less, bundle discounts, teen safe driver, teen safety rewards, and safe driver.

If you are trying to find cheaper insurance coverage quotes, ask every insurance company how many discounts you can get. Discounts may not be available in your area.

Insurance agents can help

When buying coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • How many claims can I have before being cancelled?
  • Am I covered when driving someone else’s vehicle?
  • Is my babysitter covered when using my vehicle?
  • What is an SR-22 filing?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volvo C30.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability

This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, dental work, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Collision coverage

Collision insurance pays for damage to your C30 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, hail damage, damage from a tornado or hurricane and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a Smart Shopper

Cheaper auto insurance is attainable online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best rate selection. Some auto insurance companies do not offer the ability to get quotes online and most of the time these regional carriers prefer to sell through independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your goal is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

We just showed you a lot of techniques to save on 2010 Volvo C30 insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest prices come from an unexpected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

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