2016 Volvo XC70 Car Insurance Quotes – 5 Tips to Save

Want the cheapest insurance coverage rates for your Volvo XC70? Are you sick and tired of robbing Peter to pay Paul to insure your Volvo every month? You have the same problem as millions of other drivers. There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, having more auto insurance companies makes it harder to compare rates and find the lowest cost insurance coverage.

How to get insurance coverage price quotes

There are a variety of methods to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you could save time and use online quotes for quick rates.

Many popular insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each participating company returns a rated price based on that data. This saves time by eliminating repetitive form submissions to every company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to comparing rates this way is that you can’t choose which insurance companies to get pricing from. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just compare the exact same coverage information on every quote. If you enter different coverage information then you won’t be able to make a fair comparison for your Volvo XC70.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford low physical damage deductibles?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Specific coverages for a Volvo XC70

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2016 Volvo XC70.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability

This can cover damage or injury you incur to a person or their property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see 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 can pay for things like bail bonds, attorney fees, medical services, medical expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hail damage and damage from flooding. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your XC70 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.