1997 Volvo 960 Insurance Quotes – 9 Ways to Save

Want lower insurance rates? Drivers have options when trying to find the lowest priced Volvo 960 insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to find insurance online and you need to know the best way to compare rates for your Volvo and get the lowest price.

Consumers should take time to get comparison quotes as often as possible since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best price for 960 coverage at your last renewal there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance on the internet, but in a few minutes you can learn some of the best ways to lower your insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you should be able to save some money using these methods. Consumers just need to understand the tricks to compare price quotes over the internet.

Cheapest insurance quotes

There are several ways to shop for insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and at least one company provides a quote based on the submitted data. This eliminates the need for quote forms to every company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of system is you can’t choose the companies you want to price. So if you want to choose specific providers to compare prices, we put together a list of the cheapest insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare apples-to-apples coverage data for every quote you compare. If the quotes have different data it will be nearly impossible to make a fair rate comparison.

Nine discounts to earn cheap auto insurance rates

Companies offering auto insurance don’t always advertise every disount available in an easy-to-find place, so below is a list a few of the more well known and also the lesser-known discounts that may be available.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Volvo can earn lower auto insurancerates on the low mileage vehicles.
  • Bundled Policy Discount – When you combine your auto and home insurance with the same insurance company you will save at least 10 to 15 percent or more.
  • Good Driver Discounts – Insureds who avoid accidents may save up to 50% more for 960 coverage than less cautious drivers.
  • Organization Discounts – Having an affiliation with a qualifying organization could earn you a nice discount on auto insurance.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Driver’s Education for Students – Have your child enroll in driver’s education as it can save substantially.
  • Paperless Signup – Certain insurance companies will give you a small discount for buying your policy on their website.
  • Employee of Federal Government – Federal government employees could provide a small rate reduction for 960 coverage but check with your company.
  • Claim Free – Drivers with accident-free driving histories get the best auto insurance rates as compared to accident-prone drivers.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. But any discount will bring down your overall premium however.

A few companies that possibly offer many of the previously listed discounts possibly include:

Double check with each company or agent the best way to save money. Some discounts might not be offered in your area. If you would like to see a list of insurers with significant discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Do I pay less for low miles?
  • Should I carry comprehensive and collision coverage?
  • Is my trailer covered?
  • When should I remove comp and collision on my 1997 Volvo 960?
  • Does having multiple vehicles earn me a discount?
  • Is upholstery damage covered by car insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Volvo 960.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of 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 policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, medical services, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, doctor visits, prosthetic devices and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This will pay to fix damage to your 960 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Feed the piggy bank

In this article, we presented a lot of tips how to get a better price on 1997 Volvo 960 insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheap car insurance. You may even find the biggest savings come from some of the smallest insurance companies.

Consumers change insurance companies for any number of reasons including poor customer service, high rates after DUI convictions, policy non-renewal and even unfair underwriting practices. Regardless of your reason, switching insurance companies is less work than it seems.

Low-cost 1997 Volvo 960 insurance can be bought online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not have rate quotes online and many times these small insurance companies sell through independent agencies.

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