2006 Volvo C70 Insurance Quotes – 9 Savings Tips

When looking for lower-priced insurance, do you get confused by the dozens of auto insurance choices? consumers have so many choices available that it can turn into a difficult mission to lower your prices.

If you have car insurance now, you will be able to save some money using these techniques. Pricing cheaper coverage is easy if you know what you’re doing. But drivers can benefit by having an understanding of how companies sell online.

The quickest way to compare car insurance company rates is to know the fact most larger insurance companies will pay a fee to quote your coverage. To get started, all you need to do is take a few minutes to give details including how old drivers are, whether or not you need a SR-22, what your job is, and your credit rating estimate. Your details is instantly submitted to many different companies and you receive quotes instantly.

Insurance coverage discounts are available to cut your rates

Insuring your fleet can be pricey, but you might already qualify for some discounts to reduce the price significantly. Some of these disounts will be visible when you complete an application, but a few must be specifically requested prior to receiving the credit.

  • Low Mileage Discounts – Low annual miles could earn slightly better insurance coveragerates than normal.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Multi-line Discount – Not all insurance coverage companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
  • Paperwork-free – Many insurance companies provide a small discount just for signing your application on the web.
  • Distant Student Discount – Youth drivers who live away from home to go to college and don’t have a car could qualify for this discount.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Telematics Discount – Drivers who elect to allow their company to track where and when they drive by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Claim-Free Discount – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies who may offer some of the discounts shown above include:

Before buying, ask each insurance company how many discounts you can get. A few discounts may not be available in your area. If you would like to view insurance coverage companies with the best insurance coverage discounts, follow this link.

Everyone needs different insurance coverages

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Do I need higher collision deductibles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Why is insurance for a teen driver so high?
  • Do I have coverage if my license is suspended?
  • Is my trailer covered?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, vandalism and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like nursing services, doctor visits and chiropractic care. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability car insurance

This will cover damage or injury you incur to people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volvo C70.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

This will pay to fix damage to your C70 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.