Cheap 2017 Volvo S60 Cross Country Insurance Quotes

Searching for lower insurance coverage rates for your Volvo S60 Cross Country? Are you confused by the crazy number of insurance coverage choices in your area? drivers have so many choices to choose from that it can really be a real hassle to find the perfect company for you.

These discounts can cut insurance coverage rates

Auto insurance companies don’t necessarily list every possible discount very clearly, so we researched both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Accident Waiver – Not a discount per se, but companies like Allstate, Progressive, and GEICO permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save a little off the medical payments premium.
  • Defensive Driver Discounts – Taking time to complete a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Discount for Low Mileage – Low mileage vehicles can earn slightly better prices than normal.
  • Onboard Data Collection – People who choose to allow companies to monitor vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Senior Citizens – Seniors can get a discount up to 10% for S60 Cross Country insurance.
  • Active Military Service – Having a family member in the military may lower your insurance coverage rates slightly.

You can save money using discounts, but most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will help lower the cost of your policy.

Companies and a summarized list of policyholder discounts are included below.

  • Farm Bureau policyholders can earn discounts including renewal discount, multi-policy, youthful driver, driver training, and good student.
  • Liberty Mutual has discounts for new vehicle discount, exclusive group savings, new move discount, newly retired, good student, and teen driver discount.
  • State Farm includes discounts for multiple autos, Steer Clear safe driver discount, accident-free, driver’s education, passive restraint, and safe vehicle.
  • Auto-Owners Insurance may have discounts that include group or association, teen driver, paid in full, anti-lock brakes, and safe driver.
  • GEICO discounts include driver training, daytime running lights, good student, anti-lock brakes, emergency military deployment, multi-vehicle, and military active duty.
  • SAFECO offers discounts including teen safe driver, anti-theft, homeowner, multi-car, and drive less.

If you are trying to find inexpensive insurance coverage quotes, ask each company or agent which discounts can lower your rates. Discounts might not be offered in your area. To see a list of companies with significant discounts, click here.

What determines Volvo S60 Cross Country insurance costs?

Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are not as apparent like your continuous coverage and annual miles driven.

  • Where you live can modify costs – Choosing to live in small towns and rural areas can save you money when buying auto insurance. Residents of big cities regularly have much more traffic and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates.
  • Single drivers take more risk – Getting married may cut your premiums on auto insurance. Having a spouse translates into being more mature and it’s statistically proven that being married results in fewer claims.
  • Women tend to take less risk – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Women and men are in fender benders at a similar rate, but the male of the species have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
  • Job and insurance premiums – Careers such as real estate brokers, business owners and miners have higher premium rates due to job stress and long work hours. On the flip side, careers such as actors, historians and performers have lower than average premiums for S60 Cross Country insurance.
  • A good credit rating can save money – An insured’s credit history is a big factor in calculating your auto insurance rates. People with high credit scores tend to file fewer claims than drivers with lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2017 Volvo S60 Cross Country if you clean up your credit.
  • Tickets can increase premiums – Even a single driving citation can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Drivers who have gotten multiple tickets such as DUI, reckless driving or excessive speeding may be required to submit a SR-22 form with their state motor vehicle department in order to prevent their license from being revoked.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Am I covered by my spouse’s policy after a separation?
  • Does coverage extend to a rental car in a foreign country?
  • Should I have combined single limit or split liability limits?
  • Am I covered when using my vehicle for business?
  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Be skeptical of car insurance ads

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. All the ads make the same claim that drivers will save a bundle if you change your policy. How does every car insurance company lower your rates? This is how they do it.

Insurance providers have specific guidelines for the right customer that makes them money. One example of this type of risk profile should be a married female, owns a home, and drives less than 5,000 miles a year. Someone who fits that profile will most likely get cheap premium rates and will probably save quite a bit of money when switching.

Potential insureds who fall short of those standards will have to pay more expensive rates and this results in the customer not purchasing. If you pay close attention to the ads, they say “people that switch” not “all people who quote” will save that much if they switch. That’s the way companies can advertise the way they do.

That is why you absolutely need to get price quotes at each policy renewal. It’s impossible to know which company will have the best auto insurance rates.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like nursing services, X-ray expenses, surgery and pain medications. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Volvo S60 Cross Country.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, crashing into a ditch, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Save your cold hard cash

People who switch companies do it for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Budget-friendly insurance coverage can be purchased on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance coverage companies do not offer rate quotes online and most of the time these regional insurance providers sell through local independent agents.

In this article, we presented a lot of techniques to get a better price on 2017 Volvo S60 Cross Country insurance. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the lowest rates come from a small mutual company.

Other learning opportunities