2013 Volvo C70 Car Insurance Rates – 6 Discounts for Best Quotes

Trying to find better insurance rates for your Volvo C70? Getting the lowest cost insurance on the internet might seem intimidating for vehicle owners new to price shopping over the internet. With a ridiculous number of online companies, how are vehicle owners expected to have the ability to compare every insurance company to find lower insurance premiums?

Shopping for more affordable insurance coverage is not that difficult. Basically, every vehicle owner who carries insurance coverage should be able to cut their insurance bill. Nevertheless, car owners need to learn how companies price insurance differently and take advantage of how the system works.

Where can I get affordable car insurance?

The are a couple different ways of comparing price quotes from different companies. The simplest method to find the cheapest 2013 Volvo C70 insurance rates is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

  • One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do repetitive form entry for every company. One simple form will return quotes from many national carriers. This is by far the quickest method.
  • A more difficult way to find better pricing is going to the website for each individual company and go through the quote process again. For examples sake, let’s assume you are doing a rate comparison from Allstate, State Farm and Geico. In order to get each rate, you would have to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.
  • The last way to compare price estimates is making phone calls or going to and from local insurance agencies. Doing it all online makes this process obsolete unless you want the advice and guidance of a local agency. You can, however, comparison shop online and get advice from an agent in your area.

The approach you take is up to you, just try to use identical coverage information for each price quote. If you are comparing higher or lower deductibles it will be impossible to determine the best price for your Volvo C70. Just slight variations in limits can mean a large discrepancy in price. And when comparison shopping, having more price comparisons helps you find the best price.

More affordable rates with these six auto insurance discounts

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be manually applied in order for you to get them.

  • Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% for C70 coverage compared to accident prone drivers.
  • Accident Waiver – Not really a discount, but some companies like Liberty Mutual and Geico will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Anti-theft System – Vehicles with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Good Students Pay Less – Being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new model year vehicles have better safety ratings.
  • Resident Student – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.

Remember that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Insurance companies that possibly offer these benefits include:

If you want affordable insurance quotes, ask every company to apply every possible discount. A few discounts may not apply to policies everywhere. To choose insurance companies that have a full spectrum of discounts, click here.

Car insurance can get complicated

When it comes to buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a fancy paint job covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my 2013 Volvo C70 covered for flood damage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Why you might not save $495 a year

Car insurance providers like State Farm, Geico and Progressive continually stream television and radio advertisements. All the ads make the point that you can save if you change your coverage. How does each company claim to save you money? This is how they do it.

All companies have strict underwriting profiles for a prospective insured that will be a good risk. For instance, a profitable risk profile might be described as married and over the age of 30, has no driving citations, and drives a car with an anti-theft system. Any new insured who fits that profile will qualify for the lowest prices and will most likely pay quite a bit less when switching companies.

Consumers who are not a match for these stringent criteria must pay a higher premium and the prospect going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” save that kind of money. This is how companies can truthfully make claims that they all have the best rates.

That is why you need to do a quote comparison often. Because you cannot predict which car insurance company will give you lower prices than your current company.

Car insurance policy coverages for a Volvo C70

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your C70 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Volvo C70.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Liability – This will cover damage or injury you incur to people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, theft, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses like ambulance fees, pain medications and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a penny pincher

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many cases, an insured dropped liability limits or collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented some good ideas how you can compare 2013 Volvo C70 insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even find the lowest car insurance rates come from some of the smallest insurance companies.

More affordable auto insurance can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. A few companies do not provide price quotes online and many times these small insurance companies work with independent agencies.

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