1996 Volvo 850 Car Insurance Rates – 8 Tips for Best Quotes

High-priced car insurance can dry up your family’s budget and make it impossible to make ends meet. Lots of auto insurance companies contend for your business, so it’s not easy to compare every company to find the cheapest price

Cheap auto insurance

Most major insurance companies make it easy to get prices for coverage direct online. Doing online quotes is pretty painless as you simply enter the coverages you want on the page. When the form is submitted, the quote system automatically retrieves your driving and credit reports and provides a quote. This makes it simple to compare prices but having to visit multiple sites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find the best price possible.

There is a better way!

The smarter way to lower your rates requires only one form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes comparison shopping much more enjoyable. As soon as you send your information, it is quoted and you can choose any or none of the quote results. If you find a better price you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the coverages identical to your current policy. This ensures you will get rate quotes using the exact same coverages.

What insurance coverages do I need?

When buying coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I get collision insurance on every vehicle?
  • Will my insurance pay for OEM parts?
  • Should I buy additional glass protection?
  • What if I total my 1996 Volvo 850 and owe more than it’s worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage on my 1996 Volvo 850?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Collision coverage protection

This pays for damage to your 850 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 1996 Volvo 850.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverages

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, structural damage, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things like rock chips in glass, hail damage, vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.