Save on 1999 Volvo C70 Insurance Quotes

If shopping for insurance coverage quotes online is new to you, there’s a good chance you are bewildered by the large number of online companies all promising to save you money.

If you currently have car insurance, you will be able to cut costs considerably using this strategy. The purpose of this post is to familiarize you with the best way to quote coverages. Nevertheless, drivers must understand the way companies compete online and apply this information to your search.

Compare quotes for auto insurance

To find cheaper rates, there are a couple of ways to compare rate quotes from auto insurance companies in your area. The easiest way by far to find affordable Volvo C70 insurance rates is to perform an online rate comparison. This can be done by using one of the methods below.

  1. Hands down the most simple method to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating a different quote for each price estimate. One form gets prices estimates from many national carriers. It’s the fastest way to compare.
  2. A harder way to find lower rates is to manually visit each company’s website and go through the quote process again. For examples sake, we’ll assume you need rates from State Farm, 21st Century and GMAC. To get each rate you have to spend time going to each site individually and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just compare identical quote information for each quote you get. If you compare different deductibles it will be very difficult to determine the best price for your Volvo C70. Just a small difference in insurance coverages could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding the best price.

Take advantage of these rate-reducing discounts

Some insurers don’t always advertise every possible discount very well, so the following is a list of some of the best known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Paperless Signup – Some of the larger companies provide a small discount for buying your policy on the internet.
  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Claim Free – Claim-free drivers pay much less when compared to bad drivers.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on C70 coverage.
  • College Student – Youth drivers who live away from home to go to college and leave their car at home could qualify for this discount.
  • Professional Memberships – Joining a professional or civic organization could qualify you for a break on auto insurance.
  • Telematics Discount – People who choose to allow driving data collection to track vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

You should keep in mind that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce the cost of your policy.

Some of the insurance companies that have some of the discounts shown above include:

When quoting, ask each company to give you their best rates. A few discounts might not apply in your area. To view companies that can offer you the previously mentioned discounts, click here.

Insurance rate influencing factors

A large part of saving on car insurance is knowing the factors that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower rates.

The items below are some of the items used by insurance companies to determine premiums.

  • High credit score translates to low costs – Having a good credit rating is a large factor in determining premium rates. If your credit score is not that good, you could be paying less to insure your 1999 Volvo C70 if you improve your credit rating. Insureds that have very good credit scores tend to file fewer claims as compared to drivers with poor credit scores.
  • Getting married can lower premiums – Having a spouse can actually save you money compared to being single. Having a spouse demonstrates that you tend to be more stable financially and statistics show being married results in fewer claims.
  • Annual mileage impacts costs – The more you drive your Volvo in a year the higher the price you pay to insure it. A lot of companies charge rates based upon how you use the vehicle. Cars used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance policy reflects the correct usage. Having an incorrect usage rating on your C70 may be wasting your money.
  • Careless drivers pay higher prices – Good drivers have lower premiums compared to bad drivers. Getting just one citation may cause rates to rise by twenty percent. People who have dangerous citations like DUI or reckless driving may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • Higher deductibles save money – Coverage for physical damage, aka comp and collision, insures against damage to your Volvo. Examples of some claims that would be covered are a broken side mirror, vandalism, and damage caused by flying debris. The deductibles you choose define how much the insured will be required to pay if the claim is covered. The more damage repair cost the insured is willing to pay, the lower your rates will be on C70 coverage.
  • Vocation impacts premiums – Occupations such as doctorsairline pilots and medical professionals tend to have the highest average rates in part from intense work-related stress and lots of time spent away from family. On the flip side, occupations such as professors, historians and performers pay lower than average rates on C70 coverage.

Do I need special coverages?

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when delivering products for my home-based business?
  • Where can I get insurance after a DUI in my state?
  • What is the ISO rating for a 1999 Volvo C70?
  • Does my insurance cover a custom paint job?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 1999 Volvo C70 is worth?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

But they said I’d save $474 a year!

Companies like State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to have a common claim of big savings just by moving your policy. It sounds good, but how can they all sell you cheaper insurance coverage?

Companies quote the lowest rates for the driver that will be a good risk. For instance, a desirable risk could possibly be between 30 and 50, has no prior claims, and has a short commute. Any new insured that matches those criteria will get low auto insurance rates and will also save when they switch companies.

Potential insureds who do not match the “perfect” profile may receive higher prices and this results in the customer not buying. If you listen closely, the ads state “drivers who switch” not “all people who quote” save that much. That is how companies can make it sound like they have such great rates. This really emphasizes why you absolutely need to get insurance coverage quotes from several different companies. Because you never know which company will be your best fit.

Car insurance 101

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your C70 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, hail damage, fire damage, a broken windshield and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, nursing services, dental work, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. It 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. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, medical services, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Volvo C70.

Since 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 very important.

Quote more. Save more.

As you shop your coverage around, never buy poor coverage just to save money. Too many times, an insured dropped full coverage only to find out they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage for the lowest cost.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer or even being labeled a high risk driver. No matter why you want to switch, choosing a new company can be less work than you think.

Budget-friendly auto insurance is definitely available online as well as from independent agents, and you should be comparing both to have the best selection. A few companies don’t offer online price quotes and many times these smaller companies only sell coverage through independent insurance agencies.

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