View 2009 Volvo XC70 Car Insurance Quotes

Trying to find better auto insurance rates for your Volvo XC70? Having to pay for pricey Volvo XC70 insurance can bleed your savings account and force you to make sacrifices. Doing a price comparison is recommended to reduce premiums and put more money in your pocket.

Big companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with advertising and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

You need to do rate comparisons quite often since prices go up and down regularly. Just because you found the lowest price on XC70 coverage on your last policy you can probably find a better rate now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to quote online to find the best coverage while lowering your premiums.

If you have a policy now or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. Choosing the best insurance company for you is not that difficult. Vehicle owners only need an understanding of the tricks to compare price quotes on the web.

Finding insurance

Finding low cost insurance rates is pretty simple and can save money. All you need to do is invest a little time comparing free insurance coverage quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  • The fastest and easiest way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for repetitive form submissions for each price estimate. Filling out one form gets coverage cost estimates from multiple low-cost companies.
  • A different way to analyze rates is to manually visit the website for every company you want to comare and repeat the quote process. For sake of this example, let’s say you want to get rates from Farmers, Progressive and GMAC. You would be required to go to each individual site and type in your information over and over, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, make sure you compare exactly the same coverage information on every quote. If your comparisons have different data you will not be able to find the best deal for your Volvo XC70.

Cheaper insurance rates with discounts

Buying insurance is not cheap, but you may find discounts that you may not even know about. Some discounts will apply when you get a quote, but some need to be specifically requested before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.
  • Active Service Discounts – Being on active duty in the military can result in better prices.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • 55 and Retired – Drivers that qualify as senior citizens may receive a small decrease in premiums on XC70 coverage.
  • Low Miles Discount – Keeping the miles down on your Volvo could be rewarded with substantially lower premium rates.

As is typical with insurance, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Some companies that have most of these discounts include:

Before buying, ask every company to apply every possible discount. Some discounts listed above might not be available to policyholders in your area. To view insurance companies with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my 2009 Volvo XC70 covered for flood damage?
  • Should I have a commercial auto policy?
  • Am I covered when driving in Canada or Mexico?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Find cheap auto insurance with these tips

Part of the auto insurance buying process is learning some of the elements that play a part in calculating your premiums. When you understand what determines base rates, this enables informed choices that can help you get much lower annual insurance costs. Many different elements are used in the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but others are less apparent such as your marital status or how financially stable you are.

  • Gals pay lower prices – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Women and men cause auto accidents in similar numbers, but men tend to have higher claims. Men also tend to get higher numbers of serious violations like driving under the influence (DUI).
  • Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying on your auto insurance policy. Insurance for rental car coverage, accident forgiveness, and membership fees are examples of these. They may sound like good ideas at first, but if you don’t need them get rid of them and save.
  • Pay more out-of-pocket – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of covered claims would be collision with another vehicle, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are required to pay before a claim is paid by your company. The more of the claim the insured is willing to pay, the bigger discount you will receive on XC70 coverage.
  • Your occupation and auto insurance rates – Jobs such as military personnel, social workers and dentists tend to have the highest average rates in part from intense work-related stress and lots of time spent at work. Conversely, occupations such as professors, athletes and the unemployed pay the least on XC70 coverage.

Insurance coverages 101

Knowing the specifics of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as dental work, funeral costs, ambulance fees, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage, fire damage, rock chips in glass and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Volvo XC70.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverage – This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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 policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

A fool and his money are soon parted

Lower-priced 2009 Volvo XC70 insurance can be purchased from both online companies and with local insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some companies do not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agents.

In this article, we presented a lot of information how to save on 2009 Volvo XC70 insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the best car insurance rates are with a small mutual company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Even more information can be found at these sites: