2004 Volvo S60 Insurance Quotes – 7 Tips for Best Rates

Sick and tired of not being able to scrape enough together to insure your Volvo every month? You are no different than many other drivers.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with advertising and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Compare auto insurance rates

The are a couple different ways to obtain and compare prices from many available auto insurance companies in your state. The best method to find the cheapest Volvo S60 insurance rates is to use the internet to compare rates. It’s really quite simple and can be done using a couple different methods.

The single most time-saving way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method saves time by eliminating separate quote forms for every company. One form submission will return quotes instantly.

A different way to find lower rates is to manually visit the website for every company you want to comare and get a separate price quote. For instance, let’s assume you are doing a rate comparison from USAA, Allstate and Farmers. To get each rate you have to spend time going to each site individually and enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing identical information for every quote you compare. If you enter differing limits you will not be able to determine which company has the best rates. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when quoting auto insurance, remember that more quotes will enable you to find a better price. Some smaller insurers to not give online quotes, so you need to compare price estimates from those companies as well.

Verify you’re receiving every discount

Some providers do not advertise all available discounts very well, so here is a list both the well known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

  • Membership in Organizations – Being in a civic or occupational organization can get you a small discount on your policy.
  • Senior Citizen Rates – Seniors may qualify for a slight reduction on a insurance coverage quote on S60 insurance.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class in high school.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can get savings up to 30%.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Own a Home – Owning your own home or condo may trigger a policy discount on auto insurance because maintaining a house requires a higher level of personal finance.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.

Policy discounts save money, but most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But any discount will help reduce the cost of your policy.

Popular auto insurance companies and their offered discounts are:

  • GEICO offers discounts for driver training, defensive driver, anti-lock brakes, multi-policy, federal employee, and good student.
  • Mercury Insurance may have discounts that include anti-theft, ease of repair, type of vehicle, multi-car, low natural disaster claims, and professional/association.
  • Farmers Insurance offers discounts including distant student, multi-car, business and professional, early shopping, switch companies, and youthful driver.
  • Auto-Owners Insurance has discounts for mature driver, paid in full, student away at school, anti-theft, anti-lock brakes, good student, and air bags.
  • Liberty Mutual has savings for good student, exclusive group savings, multi-car, new vehicle discount, and safety features.
  • SAFECO offers premium reductions for anti-theft, accident prevention training, homeowner, drive less, and bundle discounts.
  • Progressive may include discounts for good student, online quote discount, continuous coverage, multi-vehicle, homeowner, and online signing.
  • USAA may offer discounts for family discount, loyalty savings, annual mileage, driver training, new vehicle, multi-policy, and vehicle storage.

If you are trying to find cheap insurance coverage quotes, ask every insurance company to apply every possible discount. Discounts may not apply in your area. To locate companies offering auto insurance discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • What is no-fault insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company denied a claim?
  • Am I covered if I drive in a foreign country?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as hail damage, fire damage and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for dental work, pain medications, funeral costs and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability auto insurance

This can cover damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, emergency aid, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage protection

Collision coverage will pay to fix damage to your S60 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Shop. Compare. Save.

When searching for inexpensive insurance coverage quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

More affordable car insurance is definitely available both online and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not provide online price quotes and usually these small insurance companies provide coverage only through independent agents.

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