Compare 2013 Volvo S60 Insurance Quotes

If you’re trying to find lower-priced insurance online, do you get frustrated by the sheer number of car insurance sources that you can choose from? Vehicle owners have such a vast assortment of sources available that it can quickly become a ton of work to lower your car insurance rates.

It is always a good idea to price shop coverage before your policy renews because car insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rate on S60 coverage a few years ago you can probably find a better premium rate now. There is too much inaccurate information about car insurance online, but we’re going to give you a bunch of ideas how to put money back in your pocket.

How to get low cost insurance coverage

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program where insurance shoppers submit their information once, and each company then gives them pricing based on that data. This eliminates the need for quote forms for each company. To get comparison pricing now click here to start a free quote.

The only drawback to using this type of form is that you can’t choose the providers to get quotes from. If you prefer to choose individual companies to compare, we put together a list of companies who write insurance coverage in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just do your best to use exactly the same quote information on every quote you get. If your comparisons have differing limits it’s impossible to get a fair rate comparison. Even a minor difference in insurance coverages or limits could throw off the whole comparison. Keep in mind that having more price comparisons will increase your chances of finding more affordable rates.

Car insurance ads bend the truth

Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. They all advertise claims that people will save just by switching to their company. How is it possible that every company can claim to save you money? It’s all in the wording.

All the different companies have specific criteria for the type of insured that earns them the most money. An example of this type of driver might have to be over the age of 45, has no prior claims, and chooses high deductibles. Someone who fits those characteristics will get a cheap rate quote and will also pay quite a bit less when switching companies.

People who may not quite match those criteria must pay more expensive rates and the prospect going elsewhere. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently lure you into getting a quote.

Because of these techniques, you really should get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest rates.

Lower your insurance premiums

Lots of factors are considered when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are less apparent such as your credit history and annual miles driven.An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that can help you get lower car insurance prices.

  • Annual mileage impacts premiums – Driving a lot of miles annually the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Autos that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your vehicle rating properly reflects how each vehicle is driven, because it can save money. An improperly rated S60 may be costing you higher rates.
  • Drivers with good credit save – Having a bad credit rating is a big factor in your rate calculation. Insureds with excellent credit tend to be less risk to insure than those with worse credit. If your credit rating is lower than you’d like, you could pay less to insure your 2013 Volvo S60 by improving your rating.
  • An active insurance claims history can increase rates – Companies provide lower rates to policyholders that do not abuse their auto insurance. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is intended for the large, substantial claims.
  • Gender and insurance coverage premiums – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Males and females cause accidents in similar numbers, but the men cause more damage. Men also get cited for more serious violations such as reckless driving. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • Companies want multiple policies – The majority of insurance companies will award better rates for people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to compare other insurance prices to ensure the best deal. Consumers may find better rates by buying from different companies
  • Safety ratings are a factor – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection means less claims paid which can mean better rates for you. If your Volvo S60 is rated at least four stars on Safercar.gov you are probably receiving a discount.

Save a ton with discounts

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you purchase, but occassionally some discounts must be specifically requested before you will receive the discount.

  • 55 and Retired – Mature drivers may receive reduced rates on S60 coverage.
  • Drive Less and Save – Driving fewer miles could qualify for discounted premium rates on garaged vehicles.
  • Distant College Student Discount – Older children who are attending college without a vehicle on campus may be able to be covered for less.
  • Bundle and Save – When you have multiple policies and place coverage with the same company you could get a discount of approximately 10% to 15%.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life insurance policy as well.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm may permit one accident before raising your premiums if your claims history is clear for a certain period of time.

A quick disclaimer, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and some of the discounts are:

  • The Hartford offers discounts including driver training, bundle, air bag, vehicle fuel type, good student, anti-theft, and defensive driver.
  • American Family has savings for defensive driver, good student, early bird, bundled insurance, and accident-free.
  • Progressive includes discounts for multi-policy, online signing, continuous coverage, multi-vehicle, and good student.
  • Travelers may include discounts for IntelliDrive, early quote, multi-policy, save driver, multi-car, and driver training.
  • Farmers Insurance offers discounts for homeowner, multi-car, mature driver, alternative fuel, business and professional, and teen driver.
  • USAA policyholders can earn discounts including good student, annual mileage, new vehicle, loyalty savings, family discount, and military installation.
  • Liberty Mutual has discounts for good student, exclusive group savings, new graduate, multi-policy, and multi-car.

Before purchasing a policy, check with every insurance company to apply every possible discount. Savings might not be offered on policies everywhere.

What is the best car insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Am I covered when driving a rental car?
  • What can I do if my company denied a claim?
  • Where can I find DUI or SR-22 insurance?
  • How can I find cheaper teen driver insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Can I make deliveries for my home business?
  • Who is covered when they drive my 2013 Volvo S60?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision insurance

This coverage pays for damage to your S60 caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, loss of income, funeral expenses, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volvo S60.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, a tree branch falling on your vehicle and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, funeral costs, doctor visits and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Make an honest buck

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In many cases, an accident victim reduced physical damage coverage only to discover later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

In this article, we covered a lot of techniques to get a better price on 2013 Volvo S60 insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the best rates are with an unexpected company.

Low-cost 2013 Volvo S60 insurance is definitely available on the web and also from your neighborhood agents, so you need to shop car insurance with both to get a complete price analysis. A few companies may not provide online quoting and these smaller providers prefer to sell through independent insurance agents.

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