How Much Does 1999 Volvo S70 Car Insurance Cost?

Comparing and finding cheaper premium rates for insurance is always challenging for people who are new to comparing prices online. There are so many companies to choose from that it can easily turn into a difficult mission to find a more affordable company.

Buying affordable protection can be fairly easy. In a nutshell, anyone who buys auto insurance most likely will be able to find lower rates. But consumers must understand the methods companies use to determine prices and apply this information to your search.

Quote auto insurance online

The are a couple different ways to compare quotes from auto insurance companies in your area. By far the easiest way to find the cheapest 1999 Volvo S70 insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done using a couple different methods.

  • Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating repetitive form entry for each price estimate. A single form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
  • A more time consuming way to find better pricing is spending the time to visit each company’s website to complete a price quote. For example, let’s assume you need rates from State Farm, Liberty Mutual and Farmers. To get rate quotes you would need to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The most difficult method to find cheaper rates is to drive around to insurance agents’ offices. Quoting and buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance that can only be provided by a licensed insurance agent. However, consumers can price shop online but buy the policy through an agent.

The method you choose is up to you, but make sure you are using exactly the same quote information for every company. If you have mixed coverages it will be very difficult to get a fair rate comparison. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, comparing all the rates in your area helps increase your odds of locating the best rates.

You can change your insurance premiums

Lots of things are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but some are more transparent like your continuous coverage or your vehicle rating.Consumers need to have an understanding of the different types of things that aid in calculating your insurance coverage rates. When consumers understand what determines base rates, this enables you to make decisions that could help you find lower premium levels.

The items below are a few of the “ingredients” companies use to determine premiums.

  • High stress vocation may mean higher prices – Did you know that where you work can have an impact on rates? Occupational choices like real estate brokers, business owners and dentists usually pay the highest rates due to high stress levels and long work days. Conversely, careers like scientists, historians and performers pay the least for S70 insurance.
  • City traffic equals higher premiums – Choosing to live in areas with lower population may provide you with better prices when trying to find low car insurance rates. Drivers in populated areas tend to have congested traffic and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates.
  • Save by driving less – Driving more miles every year the more it will cost to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates than those used for commuting. Ask your agent if your insurance coverage declarations sheet is showing annual mileage. An incorrectly rated S70 is throwing money out the window.
  • Your credit rating is important – Having a bad credit rating can be a huge factor in calculating your premium rate. So if your credit leaves room for improvement, you could potentially save money when insuring your 1999 Volvo S70 if you clean up your credit. Insureds with excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
  • Your gender affects prices – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Both genders are in fender benders in similar numbers, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident so they pay the highest premiums.

Are you getting every discount?

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Certain discounts will be applied at the time of quoting, but some must be asked about before they will apply.

  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company you could get a discount of at least 10% off all policies.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Buy New and Save – Buying insurance on a new vehicle can get you a discount because new vehicles keep occupants safer.
  • Payment Discounts – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
  • Safety Course Discount – Completing a course in safe driver could earn you a small percentage discount and easily pay for the cost of the class.
  • Mature Driver Discount – Older drivers may receive better insurance coverage rates for S70 insurance.
  • Theft Deterent – Cars and trucks with anti-theft systems prevent vehicle theft and that can save you a little bit as well.

Consumers should know that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.

Large insurance coverage companies and some of the premium reductions they offer are:

  • AAA offers premium reductions for multi-car, anti-theft, multi-policy, education and occupation, and pay-in-full.
  • Progressive may offer discounts for good student, online quote discount, multi-vehicle, continuous coverage, and multi-policy.
  • State Farm includes discounts for student away at school, passive restraint, Drive Safe & Save, good student, and multiple policy.
  • Esurance may have discounts that include multi-policy, anti-lock brakes, good student, paid-in-full, multi-car, and renters.
  • Nationwide may include discounts for Farm Bureau membership, defensive driving, anti-theft, family plan, business or organization, and multi-policy.

When getting a coverage quote, ask all the companies to give you their best rates. Depending on the company, some discounts may not be offered in your area.

When in doubt talk to an agent

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions might help in determining whether you will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Am I better off with higher deductibles on my 1999 Volvo S70?
  • Does liability extend to a camper or trailer?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy high-risk coverage?
  • Does insurance cover tools stolen from my truck?
  • Can I drive in Mexico and have coverage?
  • Does car insurance cover theft of personal property?
  • How many claims can I have before being cancelled?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverages and their meanings

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

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, emergency aid and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, pain medications, dental work and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your S70 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, driving through your garage door, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo S70.

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 important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Be a penny pincher

Drivers leave their current company for any number of reasons including questionable increases in premium, denial of a claim, policy cancellation and even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is less work than it seems.

In this article, we presented a lot of ways to reduce 1999 Volvo S70 insurance premium rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the lowest premium rates come from the least-expected company.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

More detailed insurance coverage information is available in the articles below: