2011 Volvo XC60 Car Insurance Rates – 9 Policy Discounts

Shoppers have lots of choices when shopping for the lowest priced Volvo XC60 insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy insurance coverage and we’ll show you the quickest way to compare rates for a Volvo and locate the lowest possible price either online or from local insurance agents.

Shop insurance coverage online

There are a variety of methods to shop for insurance coverage, but there is one way that is easier and takes less work. You could spend your day driving to local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company can provide price quotes. This eliminates the need for quote requests to every company.

To access this free quoting program, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which providers you want to price. If you wish to select specific insurance companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just make absolute certain that you use exactly the same quote information on every quote. If you enter different coverage information then you won’t be able to make an equal comparison.

Pay discount rates these nine rate-reducing discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not even know about. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Sign Early and Save – Some larger companies reward drivers for renewing your policy prior to the expiration date on your current policy. This can save 10% or more.
  • Onboard Data Collection – Insureds that choose to allow data collection to track driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Professional Organizations – Belonging to qualifying employment or professional organizations could earn you a nice discount when getting a car insurance quote.
  • Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on XC60 coverage with select insurance companies.
  • Savings for New Vehicles – Putting coverage on a new car can get you a discount due to better safety requirements for newer models.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will qualify for a discount on a car insurance quote.
  • First Accident Forgiveness – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

Companies that may offer some of the discounts shown above are:

If you are trying to find low cost car insurance quotes, ask every prospective company which discounts you may be entitled to. Some discounts listed above may not be available in your area. To see a list of insurance companies who offer free auto insurance quotes, follow this link.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Should I get collision insurance on every vehicle?
  • Who is covered by my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, rehabilitation expenses, prosthetic devices, hospital visits and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volvo XC60.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage covers damage to your XC60 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability coverages – This coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Save for a rainy day

You just learned many ideas to compare 2011 Volvo XC60 insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the better likelihood of getting low cost car insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, being labeled a high risk driver, unfair underwriting practices and even delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

Low-cost 2011 Volvo XC60 insurance can be purchased from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not offer online price quotes and most of the time these small, regional companies work with independent agencies.

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