1996 Volvo 960 Car Insurance Quotes – 7 Savings Tips

Frustrated by the sheer number of insurance sources in your area? Lot’s of other drivers are too. You have so many sources to choose from that it can quickly become a burden to lower your insurance rates.

It is always a good idea to price shop coverage yearly because prices change quite often. Even if you got the best rates on 960 coverage six months ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

This information will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Nevertheless, drivers do need to know the way companies determine prices and use this information to your advantage.

How much does auto insurance cost?

When shopping for inexpensive auto insurance quotes, there are a couple of ways to obtain and compare prices from many available auto insurance companies in your state. The recommended way to compare 1996 Volvo 960 insurance prices is to get quotes online. This can be done in a couple minutes as outlined below.

  • Hands down the most simple method consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for every prospective company. Taking the time to complete one form compares rates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A harder way to find more affordable insurance is going to each company’s website to request a price quote. For examples sake, let’s assume you want to compare Liberty Mutual, 21st Century and State Farm. You would need to take the time to go to each site and enter your policy data, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just make sure you are using nearly identical information for each price quote. If your comparisons have higher or lower deductibles then you won’t be able to determine which company has the best rates. Quoting even small variations in limits may cause a big price difference. Just keep in mind that having more price comparisons increases your odds of finding more affordable rates.

Car insurance is unique, just like you

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Does coverage extend to a rental car in a foreign country?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • If I drive on a suspended license am I covered?
  • Do I need higher collision deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my 1996 Volvo 960 need full coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your policy

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see 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. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, ambulance fees and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, hail damage, fire damage and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your 960 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, rolling your car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.