2012 Volvo C30 Insurance Rates

Trying to find the cheapest insurance for your Volvo C30 can normally be an all-consuming task, but you can use our insurance buying tips to save time. There is a better way to buy insurance and you need to know the absolute fastest way to price shop coverage for your Volvo and find the cheapest rates from local insurance agents and online providers.

Consumers should take time to price shop coverage periodically since insurance prices are constantly changing. If you had the best deal on C30 insurance last year you can probably find a better premium rate now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to lower your rates without sacrificing coverage.

Learn how to lower your insurance rates

Many things are used in the calculation when quoting car insurance. Some are obvious such as traffic violations, but some are not as apparent such as whether you are married or how safe your car is.

The list below includes some of the most common factors used by insurance companies to determine premiums.

Bundle home and auto and save – The majority of car insurance companies will give a discount to clients that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to compare other company rates to help guarantee you have the best rates.
Alarm systems lowers car insurance rates – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
Cars with good safety ratings mean better prices – Vehicles with high crash test scores get lower rates. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
You might pay higher prices if you are single – Your spouse may earn you lower rates when shopping for car insurance. Having a significant other demonstrates that you tend to be more mature it has been statistically shown that married drivers get in fewer accidents.
High deductibles lower costs – Insurance for physical damage to your car, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims could be a windshield shattered by a rock, damage from fire, or theft. Comprehensive and collision coverage deductibles tell how much you are required to pay before a claim is paid by your company. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive on C30 insurance.

Start a Quote Now

More affordable rates by receiving discounts

Some insurers don’t list all their discounts very well, so the following is a list of some of the best known and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
Passive Restraints and Air Bags – Options like air bags or automatic seat belts could see savings as much as 30%.
Claim Free – Drivers who don’t have accidents can earn big discounts in comparison to drivers with a long claim history.
Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Auto/Home Discount – When you combine your home and auto insurance with one company you will save up to 20% and get you cheaper insurance coverage.
Military Deployment Discount – Having a family member in the military may lower your car insurance rates slightly.
Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off the medical payments premium.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, you won’t be that lucky.

A list of car insurance companies and their offered discounts include:

AAA offers discounts for AAA membership discount, pay-in-full, multi-car, multi-policy, anti-theft, education and occupation, and good student.
Progressive has savings for homeowner, online quote discount, multi-policy, multi-vehicle, online signing, continuous coverage, and good student.
State Farm may offer discounts for passive restraint, anti-theft, student away at school, Drive Safe & Save, and driver’s education.
Esurance offers premium reductions for defensive driver, claim free, Pac-12 alumni, multi-policy, online shopper, good driver, and anti-lock brakes.
Nationwide may include discounts for Farm Bureau membership, defensive driving, multi-policy, family plan, and good student.

When comparing rates, check with every prospective company to apply every possible discount. Some discounts listed above might not be offered in your area. If you would like to view insurers that offer some of these discounts, click this link.

Insurance advertisements

Consumers constantly see and hear ads that claim the best rates from companies such as State Farm and Allstate. They all try to convey promises of big savings if you get a free insurance coverage quote and switch to their company.

How does every company save you money? It’s all in the numbers.

All companies require specific criteria for the type of customer that earns them the highest profit. An example of a driver they prefer may be between the ages of 30 and 50, owns their home, and drives less than 7,500 miles a year. Any person who matches that profile will get the preferred car insurance rates and will most likely cut their rates substantially.

Potential insureds who don’t meet this ideal profile will see higher premium rates which results in business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save that much when switching. This is how insurance companies can confidently advertise the savings. Because of this risk profiling, it’s extremely important to quote coverage with many companies. It is impossible to guess which insurance companies will provide you with the cheapest premium rates.

Your insurance coverage should be tailored to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you might need an agent’s assistance.

When would I need rental car insurance?
Am I getting all the discounts available?
Should I rate my 2012 Volvo C30 as pleasure use or commute?
Do I need an umbrella policy?
Should I have a commercial auto policy?
Are all vehicle passengers covered by medical payments coverage?
How do I insure my teen driver?
Will filing a claim cost me more?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, rock chips in glass, vandalism and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability insurance protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, medical services and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volvo C30.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses such as dental work, funeral costs, prosthetic devices, hospital visits and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

As you quote insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, policy cancellation, lack of trust in their agent or poor customer service. Regardless of your reason, choosing a new company is actually quite simple.

In this article, we covered a lot of ways to reduce 2012 Volvo C30 insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper insurance coverage. Consumers may even find the lowest prices come from a small local company.