2008 Volvo XC70 Insurance Quotes

Are you drained from scraping nickels together to keep your car insured? You are no different than many other consumers. Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

The easiest way to get rate comparisons utilizes the fact most larger insurance companies participate in a system to quote your coverage. To get started, all you need to do is provide details such as an estimate of your credit level, whether you are married, your education level, and whether the vehicles are used for commuting. The data is submitted instantly to many highly-rated insurers and they respond with quotes almost instantly.

To compare multiple company rates now, click here and enter your zip code.

When to get professional advice

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • When would I need rental car insurance?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I wreck a rental car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need replacement cost coverage on my 2008 Volvo XC70?
  • How can I get my company to pay me more for my totalled car?
  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Educate yourself about car insurance coverages

Knowing the specifics of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Liability car insurance – Liability coverage can cover damage that occurs to other people or property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like loss of income, medical expenses, repair costs for stationary objects, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage covers damage to your XC70 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, dental work and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2008 Volvo XC70.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, rock chips in glass, hail damage, hitting a deer and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.