2018 Volvo V60 Cross Country Insurance Rates

Are you burned out from not being able to afford to pay your auto insurance bill each month? You have the same problem as many other consumers. Due to the abundance of online and local companies to choose from, it’s difficult to find the most affordable insurance company.

Buying car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Vehicle owners just need to learn how to find the lowest price online.

Auto insurance policy discounts

Auto insurance is not an enjoyable expense, but you may qualify for discounts that you may not even be aware of. Most are applied when you get a quote, but occassionally some discounts must be specially asked for before you get the savings.

  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
  • Early Renewal Discounts – Some insurance companies give discounts for switching companies prior to your current policy expiring. This discount can save up to 10%.
  • Paperless Signup – A few larger online companies may give you up to $50 for signing up over the internet.
  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Defensive Driving Course – Successfully completing a defensive driver class could save 5% or more if your company offers it.
  • Military Rewards – Having a family member in the military could be rewarded with lower premium rates.
  • ABS Braking Discount – Vehicles with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Popular auto insurance companies and a selection of discounts include:

  • State Farm may include discounts for passive restraint, multiple policy, anti-theft, good student, and Steer Clear safe driver discount.
  • Farmers Insurance discounts include youthful driver, teen driver, early shopping, electronic funds transfer, and good student.
  • Geico may offer discounts for federal employee, multi-policy, emergency military deployment, membership and employees, defensive driver, military active duty, and driver training.
  • American Family offers discounts including TimeAway discount, good student, defensive driver, good driver, Steer into Savings, bundled insurance, and accident-free.
  • Nationwide offers premium reductions for defensive driving, easy pay, multi-policy, Farm Bureau membership, family plan, and accident-free.
  • Progressive offers discounts for online quote discount, online signing, multi-policy, homeowner, multi-vehicle, and continuous coverage.

When getting free car insurance quotes, it’s a good idea to all companies you are considering which credits you are entitled to. Some credits might not be offered on policies everywhere. If you would like to view insurance companies that offer the discounts shown above, follow this link.

The quickest method we recommend to get rate comparisons is to know most of the bigger providers participate in a system to compare rate quotes. The only thing you need to do is provide information like if the car is leased, which vehicles you own, types of safety features, and how much education you have. Your information is instantly sent to multiple different insurance companies and they return rate quotes with very little delay.

To check Volvo V60 Cross Country insurance prices now, click here and enter your coverage details.

Volvo V60 Cross Country insurance premium factors

An important part of buying insurance is that you know the different types of things that aid in calculating your insurance rates. When you understand what determines base rates, this empowers consumers to make smart changes that could help you find cheaper rates. Multiple criteria are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but some are more obscure like your continuous coverage or how financially stable you are.

The following are most of the major factors that factor into rates.

  • Insurance claims cost money – If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Insurance companies give the best rates to people who are claim-free. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Get better rates after the wedding – Walking down the aisle may earn you lower rates on your policy. It demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Never let your coverage expire – Driving your car without having proper coverage is against the law and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, failure to provide proof of insurance can result in fines or a revoked license. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower premiums for safer cars – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your Volvo V60 Cross Country earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Employer stress can affect rates – Did you know your career choice can influence rates? Occupations such as military generalspolice officers and stock brokers have higher average rates attributed to intense work requirements and lengthy work days. On the other hand, careers such as farmers, historians and homemakers have lower than average premiums on V60 Cross Country coverage.
  • Gender is a factor – The statistics show that females take fewer risks when driving. However, don’t assume that men are worse drivers. Females and males get in accidents in similar percentages, but the male of the species cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Drive less and save – Driving more miles in a year’s time the more you’ll pay to insure it. Almost all companies apply a rate based on their usage. Vehicles that sit idle most of the time receive lower rates than those used for commuting. Having the wrong rating on your V60 Cross Country is just wasting money. Verify your insurance policy states the right rating data, because it can save money.
  • Responsible drivers pay the best costs – Even one driving citation can increase rates by as much as thirty percent. Attentive drivers receive lower rates as compared to careless drivers. People who have serious tickets like reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs may require specific advice.

  • Am I covered when driving on a suspended license?
  • What exactly is covered by my policy?
  • Am I covered if I drive in a foreign country?
  • Is my trailer covered?
  • Is my nanny covered when driving my vehicle?
  • If my pet gets injured in an accident are they covered?
  • Should I carry comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance companies are expert advertisers

Consumers can’t avoid all the ads for insurance savings from companies such as Geico, State Farm and Progressive. All the companies make the same claim that you’ll save big just by switching your policy.

But how can every company give you a lower rate? It’s all in the words they use.

Insurance companies quote their cheapest rates for the type of driver that will most likely be profitable. A good example of a preferred risk may be a female over age 40, has no claims, and has great credit. Anybody who matches that profile receive the lowest rate quotes and most likely will save some money.

Drivers who fall outside these standards will probably have to pay higher premium rates which results in the customer not purchasing. The ad wording is “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently advertise the way they do. Because of this risk profiling, drivers should compare as many free car insurance quotes as you can. Because you cannot predict which insurance companies will fit you best based on your risk profile.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive or Other Than Collision – This coverage 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 pays for claims like damage from a tornado or hurricane, vandalism, hitting a deer, a broken windshield and damage from getting keyed. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This will cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different 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 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical services, structural damage, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Volvo V60 Cross Country.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, rehabilitation expenses, hospital visits, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – This coverage pays for damage to your V60 Cross Country resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, 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 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Find Good Coverage for Less

We just showed you many tips how you can compare 2018 Volvo V60 Cross Country insurance rates online. The most important thing to understand is the more you quote car insurance, the better your comparison will be. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

More affordable auto insurance is possible online and from local agencies, so you should compare both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and usually these smaller companies prefer to sell through independent insurance agencies.

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