2013 Volvo XC70 Insurance Quotes

Buyers have options when searching for low-cost Volvo XC70 insurance. They can either waste time driving around getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates for your Volvo and get the best price possible.

It’s a great practice to compare premium rates yearly because car insurance rates are usually higher with each renewal. Just because you found the best deal on XC70 coverage six months ago you can probably find a lower rate today. There is a lot of wrong information about car insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to lower your car insurance premiums.

Learn how to lower your insurance premiums

An important part of buying insurance is that you know the rating factors that help calculate the rates you pay for insurance coverage. If you know what positively or negatively impacts your premiums, this enables informed choices that could help you find lower rates.

Shown below are a few of the things insurance coverage companies consider when setting your rate level.

  • Lower insurance coverage rates for being claim-free – Car insurance companies award lower rates to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can definitely plan on higher rates. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Insure your auto and home with one company – Most larger insurance coverage companies will award better rates to buyers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, it’s still a good idea to check prices from other companies to make sure you are getting the best deal.
  • Getting married reduces risk – Walking down the aisle can get you a discount on your insurance coverage bill. Marriage means you’re more mature than a single person and insurance companies reward insureds because married couples file fewer claims.
  • Rural vs Urban Areas – Living in less populated areas may provide you with better prices when shopping for auto insurance. Drivers in populated areas have to deal with more aggressive driving styles and a longer drive to work. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.

Get cheap car insurance quotes with discounts

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so the list below contains some of the more common and the more hidden discounts that you can inquire about if you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you are throwing money away.

  • Low Miles Discount – Driving less may allow you to get discounted car insurancerates on garaged vehicles.
  • No Claims – Drivers with accident-free driving histories get the best car insurance rates in comparison with drivers who are more careless.
  • Good Driver Discount – Accident-free drivers can pay as much as 50% less on XC70 coverage compared to rates paid by drivers with frequent claims.
  • Policy Bundle Discount – If you combine your homeowners and auto policies with one company you will save nearly 15% which can help you find inexpensive insurance coverage.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Military Rewards – Having a deployed family member could mean lower premium rates.
  • Multi-car Discount – Buying coverage for all your vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
  • Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • Homeowners Pay Less – Owning a house can help you save on car insurance because it requires a higher level of personal finance.

It’s important to note that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

Companies and the discounts they provide are:

  • State Farm has discounts for defensive driving training, good driver, driver’s education, safe vehicle, anti-theft, good student, and Drive Safe & Save.
  • GEICO may offer discounts for multi-vehicle, anti-lock brakes, military active duty, defensive driver, and good student.
  • SAFECO may have discounts that include multi-car, bundle discounts, teen safety rewards, anti-theft, safe driver, drive less, and homeowner.
  • Farmers Insurance includes discounts for youthful driver, business and professional, alternative fuel, distant student, good student, mature driver, and bundle discounts.
  • AAA policyholders can earn discounts including good student, multi-car, pay-in-full, good driver, AAA membership discount, multi-policy, and education and occupation.
  • USAA may include discounts for multi-vehicle, multi-policy, military installation, family discount, defensive driver, good student, and driver training.

It’s a good idea to ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To locate insurance companies with discount car insurance rates, click here to view.

Can switching companies really save?

Consumers can’t get away from all the ads that claim the lowest premium rates by companies like Allstate and Progressive. All the companies make the point of big savings after switching your insurance coverage policy to them.

That’s great but how can every company have lower policy pricing? You have to listen carefully.

All companies have a preferred profile for the type of customer that makes them money. For example, this type of risk profile might be described as a mature driver, carries full coverage, and drives a vehicle with a low ISO rating. Any customer that matches those criteria will get low prices and is almost guaranteed to save when they switch companies.

Consumers who do not match those criteria will probably be forced to pay a higher rate and this results in the customer buying from someone else. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” save that much. That’s why companies can advertise the savings. Different companies use different criteria so drivers must do a quote comparison often. Because you cannot predict which insurance coverage company will have the best rates at this point in time.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • What happens if I owe more than my 2013 Volvo XC70 is worth?
  • Is my state a no-fault state?
  • If my pet gets injured in an accident are they covered?
  • What is covered by UM/UIM coverage?
  • Am I covered when driving on a suspended license?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an 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 may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for collisions

Collision coverage will pay to fix damage to your XC70 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like hospital visits, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hail damage, hitting a deer and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Make a quick buck

Some insurance providers may not have price quotes online regional carriers only sell coverage through independent agents. Low-cost 2013 Volvo XC70 insurance is definitely available on the web and with local insurance agents, and you should be comparing both to have the best selection.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage and learned later that it was a big mistake. Your goal is to get the best coverage possible at the best possible price while still protecting your assets.

You just read a lot of techniques to compare 2013 Volvo XC70 insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may even find the lowest prices come from a small local company.

More detailed insurance coverage information is available by following these links: