2013 Volvo XC70 Insurance Cost

Looking for better car insurance rates for your Volvo XC70? Shopping for the lowest cost car insurance on the web may at first seem to be problematic for beginners to price shopping over the internet. With such a large choice of insurers available, how are we expected to efficiently compare every company in order to find better rates?

Consumers should take time to do price comparisons on a regular basis because prices fluctuate regularly. If you had the lowest rates for XC70 coverage a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you the easiest way to lower your annual insurance bill.

Decisions you make can impact your insurance rates

Lots of factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but others are more transparent such as your credit history or how safe your car is.

The following are most of the major factors companies use to determine prices.

  • Does insurance cost less for women? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. They both have at-fault accidents at about the same rate, but guys cause more damage. Men also tend to get ticketed for serious violations such as reckless driving.
  • Credit rating impacts premium costs – Having a bad credit rating can be a huge factor in calculating your car insurance rates. Therefore, if your credit is not that good, you could potentially save money when insuring your 2013 Volvo XC70 by improving your credit score. People with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings.
  • Vehicle theft costs us all – Buying a car with a theft deterrent system can help bring down rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.
  • How’s your driving record? – Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance as compared to those with violations. Having a single driving citation may cause rates to rise by twenty percent. People who have careless citations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state’s licensing department in order to legally drive.
  • Job stress can affect premiums – Careers such as fire fighters, executives and emergency personnel usually pay higher rates than average in part from job stress and lengthy work days. Conversely, jobs such as actors, historians and homemakers generally pay rates lower than average for XC70 coverage.
  • Single drivers take more risk – Getting married may earn you lower rates on your car insurance policy. It demonstrates that you tend to be more stable financially and it’s proven that married drivers tend to file fewer claims.
  • See if your company offers a multi-policy discount – Lots of insurers apply a discount for people who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to guarantee you are still saving the most. It’s possible to still find better rates even if you have your coverage with different companies
  • Raising coverage deductibles saves money – Your deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be rearending another vehicle, fire damage, or theft of your vehicle. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance for XC70 coverage.

The cheapest auto insurance

There are a variety of methods to compare auto insurance quotes, and some are more efficient than others. You can spend your afternoon driving to insurance companies in your area, or you could save time and use the web to achieve your goal.

Many companies enroll in a system where insurance shoppers send in one quote, and at least one company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is that consumers can’t choose the insurers to get pricing from. If you wish to select specific insurance companies for rate comparison, we have a page of companies who write auto insurance in your area. Click here to view list.

How you compare quotes is your choice, just be certain you are entering equivalent coverage information on every price quote you get. If the quotes have different liability limits you can’t possibly make an equal comparison. Just a small difference in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, quoting more increases your odds of finding more affordable rates.

Will you really save $413 on insurance coverage?

Well-known insurance coverage companies like Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. They all seem to advertise the message about savings if you just switch your insurance coverage coverage to their company. It sounds good, but how can they all charge you a lower premium? This is how they do it.

All the different companies require specific criteria for the type of insured that earns them a profit. A good example of a profitable customer might be described as between the ages of 30 and 50, has a clean driving record, and has great credit. Anybody who meets those qualifications will get very good car insurance rates and most likely will save some money.

Potential customers who may not quite match the ideal profile will probably have to pay higher premiums which translates to the customer buying from a different company. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can advertise the savings. Because each company has a different risk profile, drivers must do a price quote comparison at every renewal. It’s just too difficult to predict which insurance companies will provide the lowest prices.

Do you qualify for discounts?

Some companies don’t always advertise all available discounts very well, so we break down both well-publicized as well as the least known discounts that may be available. If you do not check that you are getting every discount you deserve, you are just wasting money.

  • Sign Early and Save – A few companies allow discounts for switching companies prior to your current policy expiration. It’s a savings of about 10%.
  • College Student Discount – College-age children who are enrolled in higher education away from home and leave their car at home could get you a discount.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
  • E-sign – A handful of insurance companies will give you a small discount for buying your policy on your computer.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
  • Multi-Vehicle Discounts – Having several vehicles on one policy may reduce the rate for each vehicle.
  • Defensive Driver – Participating in a class that teaches safe driver techniques can save you 5% or more and easily pay for the cost of the class.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works. But any discount will reduce your auto insurance premiums.

Auto insurance companies that may offer these discounts may include but are not limited to:

When quoting, ask all the companies to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area. To see insurance companies that can offer you the previously mentioned discounts, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing the best insurance coverage coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Is my camper covered by my car insurance policy?
  • Is my teen driver covered when they drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • When can my company non-renew my policy?
  • Am I insured when driving a different vehicle?
  • How can I find cheaper teen driver insurance?
  • If my pet gets injured in an accident are they covered?
  • What is medical payments coverage?
  • What is high-risk coverage and where do I buy it?
  • What are the best liability limits?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages explained

Having a good grasp of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, rock chips in glass, vandalism and a broken windshield. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as dental work, doctor visits, hospital visits, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP 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 only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage pays for damage to your XC70 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as medical expenses, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

A little work can save a LOT of money

Consumers who switch companies do it for a number of reasons such as delays in paying claims, unfair underwriting practices, policy non-renewal and even an unsatisfactory settlement offer. No matter why you want to switch, switching insurance coverage companies is pretty easy and you might even save some money in the process.

Lower-priced 2013 Volvo XC70 insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies do not offer online rate quotes and usually these regional carriers prefer to sell through independent agents.

When shopping online for insurance coverage, do not skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

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