Lower Your 1993 Volvo 960 Car Insurance Quotes

Did a good deal turn out to be an overpriced car insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse. Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the best price available.

It is always a good idea to quote other rates on a regular basis due to the fact that insurance prices trend upward over time. Just because you had the best deal on 960 insurance at your last renewal you can probably find a better rate quote now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best methods to buy cheaper car insurance.

If you have a policy now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to learn the most effective way to compare price quotes over the internet.

Quote insurance coverage online

Comparing insurance coverage rates can take time and effort if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize online quotes for quick rates.

Many companies participate in an industry program that enables customers to enter their policy data once, and each company can provide price quotes based on that information. This system prevents you from having to do quote requests for each company.

To participate in this free quote system, click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose the companies you want to price. If you prefer to choose specific insurance companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click here to view list.

However you get your quotes, compare the same coverage data on every price quote you get. If the quotes have different values for each quote it will be next to impossible to determine the lowest rate for your Volvo 960.

Car insurance discounts help lower rates

Companies don’t always list all disounts very clearly, so the following is a list of some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • College Student Discount – Any of your kids living away from home attending college without a vehicle on campus could qualify for this discount.
  • Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates on 960 insurance than drivers with accident claims.
  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • More Vehicles More Savings – Buying a policy with more than one vehicle on the same car insurance policy can reduce rates for all insured vehicles.
  • Accident Forgiveness Coverage – Not really a discount, but some companies like State Farm and Progressive will let one accident slide without raising rates if you are claim-free prior to the accident.
  • Life Insurance Discount – Car insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage on 960 insurance depending on your company.
  • Drivers Ed for Students – Teen drivers should enroll in driver’s education as it can save substantially.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on 960 insurance.
  • Active Service Discounts – Being on active duty in the military may qualify for rate reductions.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

A few companies that may include some of the discounts shown above are:

Check with all companies you are considering to apply every possible discount. A few discounts might not be offered on policies in your area. To find insurers that can offer you the previously mentioned discounts, follow this link.

What affects Volvo 960 insurance costs?

Multiple criteria are used when premium rates are determined. Some are obvious like your driving record, but other factors are not as apparent like where you live or your financial responsibility.An important part of buying insurance is that you know some of the things that help calculate the level of your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that could result in cheaper rates.

  • Alarms and GPS tracking lower prices – Buying a car with advanced anti-theft systems can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.
  • Discounts for married drivers – Being married can get you a discount on your policy. It means you’re more mature it has been statistically shown that drivers who are married file infrequent claims.
  • Lower premiums for safer cars – Cars with five star safety ratings get lower rates. These vehicles have better occupant injury protection and lower injury rates means your insurance company pays less and cheaper rates on your policy. If your Volvo 960 is rated at a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Do you really need roadside assistance? – Insurance policies have a lot of extra coverages that you can buy on your 960 policy. Add-on coverages like vanishing deductibles, high-cost glass coverage, and motor club memberships are examples of these. They may seem like a good idea when deciding what coverages you need, but if you don’t need them get rid of them and save.
  • Liability protection claims can be big – The liability coverage on your policy is the coverage that protects you if you are responsible for damages caused by your negligence. Liability provides legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Your stress level may be raising your prices – Careers like real estate brokers, business owners and medical professionals generally pay higher premiums than the average policyholder in part from intense work-related stress and lots of time spent away from family. Other occupations such as scientists, students and homemakers pay the least on 960 insurance.
  • Increase physical damage deductibles and save – The deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are collision with another vehicle, fire damage, and damage from wind. The higher the amount you have to pay, the less your auto insurance will be on 960 insurance.

Which is the best car insurance?

When choosing adequate coverage, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Am I getting all the discounts available?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • Which is better, split liability limits or combined limits?
  • Do I need more liability coverage?
  • How much can I save by bundling my policies?
  • How do I insure my teen driver?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Learn about insurance coverages for a Volvo 960

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, medical services, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, vandalism, damage from flooding, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This pays for damage to your 960 from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as dental work, X-ray expenses, doctor visits, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Volvo 960.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Power to the consumer

When you buy insurance coverage online, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage and found out when filing a claim that it was a big mistake. Your goal is to purchase plenty of coverage at the best cost.

Some companies do not offer online quoting and many times these smaller providers only sell coverage through local independent agents. Lower-priced 1993 Volvo 960 insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection.

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