2017 Volvo V60 Car Insurance Rates

Searching for lower auto insurance rates for your Volvo V60? When looking for lower-cost insurance, do you get frustrated by the number of auto insurance companies that you can choose from? There are so many options that it can easily become a difficult challenge to find the best prices.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Pricing the best insurance coverage coverage is easy if you know what you’re doing. But consumers do need to learn the methods companies use to compete online and use this information to your advantage.

Cut insurance costs with these tips

Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are more obscure such as your marital status or your vehicle rating.

  • Your address can affect price – Having an address in smaller towns and rural areas of the country has definite advantages when talking about car insurance. People in densly populated areas tend to have traffic congestion and a longer drive to work. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates.
  • Never let your coverage expire – Allowing your coverage to lapse will be a quick way to increase your renewal premiums. In addition to paying higher rates, getting caught without coverage will get you a license revocation or jail time. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Lower rates for vehicles with better crash test results – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders. If your Volvo V60 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Use but don’t abuse your insurance – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Car insurance companies give cheaper rates to people who do not file claims often. Insurance coverage is intended for more catestrophic claims.
  • Gals tend to be lower risk – The statistics show that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Males and females get in at-fault accidents in similar percentages, but the males have costlier accidents. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Discounts for alarms and GPS tracking – Driving a car with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Infrequent drivers can save – The more you drive each year the more you will pay for car insurance. Most insurance companies charge to insure your cars partially by how you use the vehicle. Cars and trucks that sit idle most of the time cost less to insure than vehicles that have high annual mileage. Ask your agent if your car insurance coverage is rated on annual mileage, because improper ratings can cost you money. Having an incorrect usage rating on your V60 may be costing you higher rates.
  • Poor credit can mean higher prices – Having a good credit score factor in determining your rates. People that have high credit ratings tend to be more responsible as compared to drivers with worse credit. So if your credit history leaves room for improvement, you could save money insuring your 2017 Volvo V60 if you improve your credit rating.

Use discounts on insurance

Car insurance can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of purchase, but some discounts are required to be asked about before they will apply.

  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get slightly better insurancerates than normal.
  • 55 and Retired – Drivers over the age of 55 are able to get lower premium rates on V60 coverage.
  • Military Discounts – Having an actively deployed family member could be rewarded with lower prices.
  • Early Switch Discount – Select larger companies give a discount for signing up before your current expiration date. This discount can save up to 10%.
  • Onboard Data Collection – Policyholders that allow their insurance company to study driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they are good drivers.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
  • Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates on V60 coverage than less cautious drivers.
  • Sign Online – Many insurance companies give back up to $50 for completing your application on the internet.
  • No Claim Discounts – Insureds who avoid accidents and claims pay less in comparison with bad drivers.

You should keep in mind that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount should help lower your premiums.

A few popular companies and their offered discounts are included below.

  • State Farm offers discounts including student away at school, good student, multiple policy, anti-theft, defensive driving training, and safe vehicle.
  • Farmers Insurance may include discounts for homeowner, multi-car, alternative fuel, switch companies, electronic funds transfer, and good student.
  • Geico may offer discounts for good student, driver training, anti-lock brakes, daytime running lights, membership and employees, and multi-policy.
  • American Family has savings for mySafetyValet, defensive driver, air bags, good driver, accident-free, TimeAway discount, and good student.
  • Nationwide policyholders can earn discounts including business or organization, Farm Bureau membership, easy pay, multi-policy, defensive driving, anti-theft, and good student.
  • Progressive discounts include online quote discount, online signing, multi-vehicle, multi-policy, and homeowner.

When getting free auto insurance quotes, it’s a good idea to each company the best way to save money. A few discounts might not be available to policyholders in your area. If you would like to choose from a list of providers that offer discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Will my insurance pay for OEM parts?
  • Is extra glass coverage worth it?
  • Do I have newly-aquired coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my 2017 Volvo V60 is worth?
  • What is an SR-22 filing?
  • Who is covered by my policy?
  • Can I afford to buy a different vehicle if my 2017 Volvo V60 is totaled?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision – Collision coverage will pay to fix damage to your V60 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, colliding with a tree, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for ambulance fees, prosthetic devices, hospital visits and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, a tree branch falling on your vehicle, hail damage, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

What is YOUR best insurance company?

Insureds who switch companies do it for a variety of reasons including poor customer service, being labeled a high risk driver, an unsatisfactory settlement offer or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

We covered a lot of ways to reduce 2017 Volvo V60 insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with a small local company.

The cheapest 2017 Volvo V60 insurance is attainable from both online companies in addition to many insurance agents, so you need to quote auto insurance with both to have the best selection. There are still a few companies who don’t offer rate quotes online and many times these small insurance companies only sell through independent agents.

More detailed insurance information can be found at these sites: