2010 Volvo C70 Car Insurance Cost – 10 Tips for Best Prices

Want cheaper auto insurance rates for your Volvo C70? If you are a novice to online auto insurance shopping, you can be baffled thanks to the incredible selection of insurers all advertising big savings.

It is always a good idea to get comparison quotes occasionally since insurance prices go up and down regularly. Even if you got the best price for C70 coverage last year the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.

Discounts can really help lower premiums

Car insurance companies do not advertise the entire discount list very clearly, so we took the time to find both the well known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Defensive Driver Discount – Passing a defensive driver class is a good idea and can lower rates depending on where you live.
  • Claim Free – Good drivers with no accidents pay less as opposed to drivers with a long claim history.
  • Accident Forgiveness Coverage – but some companies like Progressive, State Farm and GEICO will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Smart Student Discounts – Performing well in school may save you up to 25%. You can use this discount normally well after school through age 25.
  • Theft Prevention Discount – Cars with anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Telematics Data Discounts – Policyholders that allow driving data collection to analyze where and when they drive by using a telematic data system such as Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Clubs and Organizations – Having an affiliation with a qualifying organization could qualify you for a break on your next renewal.
  • Buy New and Save – Adding a new car to your policy can get you a discount because newer models keep occupants safer.
  • Low Mileage – Driving fewer miles can earn lower rates due to less chance of an accident.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

Larger insurance companies and some of their more popular discounts can be read below.

  • State Farm has savings for anti-theft, Drive Safe & Save, good student, defensive driving training, and student away at school.
  • Liberty Mutual discounts include newly married, teen driver discount, hybrid vehicle, good student, new vehicle discount, multi-car, and multi-policy.
  • American Family includes discounts for accident-free, defensive driver, multi-vehicle, Steer into Savings, TimeAway discount, bundled insurance, and air bags.
  • Progressive may include discounts for online signing, continuous coverage, homeowner, multi-policy, good student, and online quote discount.
  • Farmers Insurance offers discounts including mature driver, switch companies, business and professional, multi-car, early shopping, electronic funds transfer, and homeowner.
  • Auto-Owners Insurance offers premium reductions for air bags, multiple vehicles, safe vehicle, paid in full, teen driver, student away at school, and good student.
  • SAFECO may offer discounts for anti-theft, bundle discounts, homeowner, multi-car, teen safety rewards, and anti-lock brakes.

Before buying, ask each company to give you their best rates. Discounts may not be available in your area. To find insurance companies with the best discounts, click here.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Does my 2010 Volvo C70 need full coverage?
  • What is UM/UIM insurance?
  • Is my dog or cat covered if injured in an accident?
  • When should I remove comp and collision on my 2010 Volvo C70?
  • Should I waive the damage coverage when renting a car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Smaller companies may have the best rates

Respected companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. They all seem to tend to make the same promise about how much you will save just by switching your policy. That’s great but how can every company charge lower premium rates?

Insurance companies give the cheapest rates for the type of driver that earns them a profit. For instance, this type of driver could possibly be a female over age 40, has had continuous coverage, and the vehicle is rated for pleasure use. Any new insured that fits those parameters will probably get the lowest car insurance rates and will probably save a lot of money.

Potential customers who don’t meet the “perfect” profile will have to pay higher premiums which leads to the customer buying from a different company. The ads say “drivers who switch” not “everyone who quotes” save the amount stated. That’s why companies can advertise the way they do.

This illustrates why you need to do a price quote comparison at every renewal. It’s not possible to predict the company that will provide the lowest premium rates.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance

This covers 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 coverage pays for things like hitting a bird, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Volvo C70.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like ambulance fees, prosthetic devices, chiropractic care, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Save for a rainy day

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Cheaper auto insurance can be found both online as well as from insurance agents, and you should be comparing both to have the best selection. Some companies may not provide internet price quotes and these regional insurance providers only sell coverage through independent agencies.

You just read many ideas to shop for 2010 Volvo C70 insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. You may even find the best price on auto insurance is with some of the lesser-known companies.

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