Lower Your 2010 Volvo XC70 Insurance Quotes

Searching for better car insurance rates for your Volvo XC70? Trying to come up with a payment for expensive car insurance can deplete your checking account, especially in this economy. Comparing rates annually can lower your rates and help to lower your monthly bill.

With so many online and local companies to choose from, it can be diffult for drivers to locate a more affordable insurer.

You should take the time to quote other rates at least once a year because rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates on XC70 coverage two years ago you can probably find a better price now. You can find a lot of misleading information regarding car insurance online but you can learn some tested techniques to reduce your car insurance bill.

How to find low cost insurance

There are a variety of methods to compare insurance prices and some are less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the web to maximize your effort.

Most of the best insurance companies enroll in a system that enables customers to send in one quote, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each company.

To find out what other companies charge click here to open in new window.

The single downside to using this type of system is you don’t know exactly the providers you want pricing from. If you wish to select from a list of companies for rate comparison, we have a listing of insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, do your best to enter nearly identical quote data on every quote you get. If you enter different data you will not be able to determine the lowest rate for your Volvo XC70.

Do you qualify for discount insurance coverage?

Buying insurance coverage is not cheap, but there may be some discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of purchase, but some need to be asked for before you get the savings.

  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • No Claims – Insureds who avoid accidents and claims pay less compared to drivers who are more careless.
  • Defensive Driving Course – Passing a class that teaches driver safety techniques can save you 5% or more and also improve your driving technique.
  • Include Life Insurance and Save – Not all insurance coverage companies offer life insurance, but some may give you lower rates if you buy some life insurance too.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Geico and Allstate permit an accident before they charge you more for coverage if you are claim-free for a set time period.
  • Air Bag Discount – Factory air bags may earn rate discounts up to 30%.
  • Drive Less and Save – Driving less could earn discounted prices on garaged vehicles.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles on one policy could earn a price break for each car.
  • Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you may save up to 20% off your total premium.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

A few of the larger companies and their possible discounts are included below.

  • Progressive offers discounts including multi-vehicle, online quote discount, good student, homeowner, continuous coverage, online signing, and multi-policy.
  • MetLife may include discounts for good student, defensive driver, claim-free, accident-free, good driver, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including age of vehicle, anti-theft, professional/association, ease of repair, accident-free, and annual mileage.
  • Nationwide may have discounts that include good student, accident-free, defensive driving, anti-theft, family plan, easy pay, and multi-policy.
  • Geico includes discounts for driver training, military active duty, air bags, good student, anti-theft, five-year accident-free, and daytime running lights.
  • AAA offers premium reductions for AAA membership discount, anti-theft, good student, pay-in-full, and multi-policy.

When comparing rates, check with each company which credits you are entitled to. Discounts may not be available everywhere.

What insurance coverages do I need?

When choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Am I covered if my car is in a flood?
  • When would I need rental car insurance?
  • Do I benefit by insuring my home with the same company?
  • Where can I find high-risk insurance?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Learn how to get car insurance cheaper

Lots of factors are considered when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other factors are not quite as obvious like your continuous coverage or your financial responsibility.Part of the car insurance buying process is learning the factors that help calculate your policy premiums. If you understand what determines premiums, this allows you to make good choices that may result in cheaper rates.

The following are most of the major factors utilized by car insurance companies to help set your rate level.

  • Don’t skimp on liability protection – The liability section of your policy is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Job stress can affect prices – Careers such as doctorsair traffic controllers and accountants generally have higher premium rates attributed to high stress and long work days. On the other hand, jobs such as actors, historians and performers have the lowest average rates on XC70 coverage.
  • An active policy claims history can increase rates – If you frequently file small claims, you should expect either a policy non-renewal or much higher rates. Auto insurance companies provide most affordable rates to policyholders who are claim-free. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Save money with higher coverage deductibles – Coverage for physical damage, also known as collision and other-than-collision, protects your Volvo from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, hail damage, and damage from a fallen tree branch. Comp and collision deductibles state the amount of money you are required to pay before your car insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance on XC70 coverage.

Educate yourself about car insurance coverages

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, chiropractic care, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your XC70 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, legal defense fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Volvo XC70.

Since a lot of 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 is a good idea.

In the end, you save

When shopping online for car insurance, you should never reduce needed coverages to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

We just presented many ideas to get a better price on 2010 Volvo XC70 insurance. The key concept to understand is the more quotes you get, the better likelihood of getting affordable car insurance. You may be surprised to find that the lowest auto insurance rates are with the least-expected company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

Helpful learning opportunities