2014 Volvo XC60 Insurance Rates

Did a good deal turn into overpriced car insurance? Don’t sweat it because there are many drivers thinking the same thing.

Because you have many companies and agents to choose from, it’s nearly impossible to pick the best car insurance provider.

Buy car insurance online

Performing a rate comparison is a ton of work if you aren’t aware of the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you could use the web to maximize your effort.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price based on the submitted data. This saves time by eliminating quote forms to every company.

To use this form to compare rates click here (opens in new window).

The one downside to using this type of system is you don’t know exactly the insurers to get quotes from. If you would rather choose individual companies to compare, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use exactly the same coverage information for every quote you compare. If each company quotes unequal deductibles or liability limits it’s not possible to determine which company has the best rates. Slightly different insurance coverages or limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing more rates from different companies helps increase your odds of locating the best offered rates.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation will benefit from professional help.

Do I need to file an SR-22 for a DUI in my state?
Do I need PIP coverage since I have good health insurance?
Is my 2014 Volvo XC60 covered for flood damage?
Do I benefit by insuring my home with the same company?
Is business equipment covered while in my vehicle?
What is covered by UM/UIM coverage?
Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays for damage to your XC60 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2014 Volvo XC60.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as medical expenses, legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like X-ray expenses, funeral costs, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay