Compare 2010 Volvo C70 Insurance Quotes

No one in their right mind likes buying auto insurance, especially when their premiums are too high.

Big-name insurance companies like Geico, Progressive and Allstate increase brand awareness with ad campaigns and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

How much is car insurance?

Shopping for lower car insurance rates can be challenging if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize the internet to get pricing more quickly.

Most of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company then returns a price quote for coverage. This saves time by eliminating quotation requests for each company.

To compare rates now click here (opens in new window).

The only drawback to using this type of form is you don’t know exactly which providers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have a page of companies who write car insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but ensure you’re using the exact same coverage data for each price quote. If the quotes have higher or lower deductibles it will be nearly impossible to find the best deal for your Volvo C70. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that having more price comparisons helps you find lower pricing. Some regional insurers cannot provide online rate quotes, so you should also compare rates from the smaller companies as well.

Car insurance companies offer many discounts

Companies don’t always advertise every discount very well, so the following is a list of some of the more common and also the lesser-known car insurance savings.

Discount for Low Mileage – Low mileage vehicles could earn cheaper premium rates.
Paperless Signup – Some larger companies will provide an incentive for buying your policy over the internet.
Waiver for an Accident – Not a discount per se, but some insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
Early Switch Discount – Select insurance companies give a discount for switching policies before your current coverage expires. It can save you around 10%.
Telematics Devices – Drivers who agree to allow data collection to spy on driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
Military Rewards – Being on active deployment in the military could mean lower prices.
Save with a New Car – Buying a new car instead of a used car can save up to 30% because new vehicles keep occupants safer.
Defensive Driving Course – Taking a course that instructs on driving safety may get you a small discount if you qualify.
Anti-lock Brakes – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Discount for Home Ownership – Owning a house may earn you a small savings since owning and maintaining a home is proof of financial responsibility.

Policy discounts save money, but some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

If you would like to see a list of insurers that offer some of these discounts, click here to view.

Do I just need basic coverages?

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

How high should deductibles be on a 2010 Volvo C70?
Is extra glass coverage worth it?
Is a fancy paint job covered?
How do I file an SR-22 for a DUI in my state?
Why do I only qualify for high-risk insurance?
What is medical payments coverage?
Does having multiple vehicles earn me a discount?
Why am I required to buy liability insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Volvo C70.

Since many drivers only carry the minimum required liability limits, 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. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, hitting a bird and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for bills like funeral costs, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This covers damage to your C70 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.