2016 Volvo XC70 Car Insurance Rates – 7 Tips for Best Quotes

Looking for lower auto insurance rates for your Volvo XC70? Did a good deal turn into an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest price

Discount insurance coverage quotes

Insurance coverage can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but a few must be asked about in order for you to get them.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
  • Paper-free Discount – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Discounts for Multiple Vehicles – Drivers who insure several vehicles with one company qualifies for this discount.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Discount for Life Insurance – Larger companies have lower rates if you buy some life insurance too.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums on XC70 coverage.

It’s important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To choose providers that offer discounts, click this link.

Compare car insurance rates

There are multiple methods to compare car insurance quotes, but there is one way that is more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quotes to get the quickest rates.

Most of the best insurance companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company provides a quote determined by their information. This saves time by eliminating form submissions for each company. To compare rates now click here to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the insurers you want to price. If you would rather choose from a list of companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

Compare rates however you want, just ensure you’re using identical coverage limits and deductibles for every quote you compare. If you compare differing limits you can’t possibly make a fair rate comparison. Even a minor difference in insurance coverages can make a big difference in price. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of finding a lower rate.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my cargo covered for damage or theft?
  • I don’t drive much so do I pay less?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is high-risk coverage and where do I buy it?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 2016 Volvo XC70?
  • When should I drop full coverage on my 2016 Volvo XC70?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Can you really save if you switch?

Well-known auto insurance companies like Allstate, GEICO and Progressive consistently run ads on television and other media. They all seem to say the same thing that you’ll save big just by switching your policy. Is it even possible that every company can charge you less for car insurance? This is the way they can do it.

All companies have specific characteristics for the type of driver that earns them a profit. A good example of a profitable insured may be a married female, carries high limits, and has a high credit rating. Anyone who matches that profile will probably get the lowest prices and most likely will save some money.

Potential customers who do not match this ideal profile will see a higher premium and ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can make those statements.

Different companies use different criteria so you really need to compare free auto insurance quotes often. It’s just not possible to know which company will give you the biggest savings.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Collision coverage protection

Collision coverage covers damage to your XC70 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

This coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, court costs, medical services and attorney fees. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Volvo XC70.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, theft, rock chips in glass and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, pain medications, prosthetic devices, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

In this article, we covered many ideas to compare 2016 Volvo XC70 insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the lowest car insurance rates are with the smaller companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

When searching for cheaper auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage for the lowest price, not the least amount of coverage.

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