1998 Volvo C70 Car Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find cheaper auto insurance rates? Buyers have a choice when searching for affordable Volvo C70 insurance. You can either waste hours calling around to compare prices or use the internet to compare rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the proper way to quote coverages on a Volvo and find the cheapest rates from both online companies and local agents.

If you have a policy now or are shopping for new coverage, you will benefit by learning to find the best rates and still get good coverage. This article will let you in on how to effectively get price quotes and some tips to save money. Vehicle owners just need to understand the most efficient way to get comparison quotes online.

Discount car insurance rates

Auto insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so the list below details a few of the more common and also the more inconspicuous credits that you can use to lower your rates. If you do not double check each discount possible, you could be getting lower rates.

  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Multi-policy Discount – When you have multiple policies with one company you may save over 10 percent off each policy depending on the company.
  • Driver Training Discounts – Taking part in a safe driver course may get you a small discount and also improve your driving technique.
  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Save with More Vehicles Insured – Buying insurance for multiple vehicles with the same company can reduce rates for all insured vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Some companies that may offer these money-saving discounts may include but are not limited to:

If you are trying to find affordable insurance quotes, ask each company or agent how you can save money. Savings might not be offered in your state. If you would like to choose from a list of insurance companies who offer free car insurance quotes, click here.

How to compare car insurance quotes

Getting more affordable 1998 Volvo C70 car insurance pricing is a great way to save money. Drivers just need to take the time getting comparison quotes to find. This can be done using one of these methods.

  • One of the fastest ways consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form keeps you from doing multiple quote forms for every car insurance company. Taking the time to complete one form compares rates from car insurance companies with the best prices. Just one form and you’re done.
  • A different way to analyze rates requires a visit to the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want rates from GEICO, Progressive and Farmers. To get rate quotes you would need to spend time on each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.
  • The most time-consuming way to find lower rates is to drive around to and from local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you’re the type of person who wants the guidance only provided by licensed agents. Some companies do allow you to price shop your coverage online but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just compare the exact same information for every company. If you have different values for each quote it’s impossible to determine the best price for your Volvo C70.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • What if I total my 1998 Volvo C70 and owe more than it’s worth?
  • Does medical payments coverage apply to all occupants?
  • What should my uninsured motorist coverage limits be in my state?
  • If I drive on a suspended license am I covered?
  • Does my insurance cover a custom paint job?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Do drivers who switch really save?

Drivers constantly see and hear ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. All the ads have a common claim about saving some big amount just by moving your policy.

How is it plausible that every one can say the same thing?

Insurance providers have a preferred profile for the type of insured that will add to their bottom line. One example of a desirable insured may need to be between 25 and 40, has no claims, and drives less than 10,000 miles a year. Someone who fits those characteristics receive the lowest rate quotes and therefore will save a lot of money.

Potential customers who are not a match for those standards will be quoted higher prices and this can result in the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully claim big savings.

This really drives home the point why you should get insurance quotes as often as possible. Because you cannot predict which insurance coverage company will give you the biggest savings.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

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 very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, pain medications, hospital visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision insurance covers damage to your C70 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like structural damage, emergency aid, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Better coverage you can count on

People change insurance companies for many reasons like denial of a claim, not issuing a premium refund, extreme rates for teen drivers and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

Lower-priced 1998 Volvo C70 insurance is possible online and from local insurance agents, so you should compare both to have the best rate selection. Some companies may not provide rate quotes online and many times these smaller companies sell through independent agents.

We covered many ways to reduce 1998 Volvo C70 insurance auto insurance rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest auto insurance rates come from a small mutual company.

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