2017 Volvo V60 Cross Country Insurance Rates – 9 Tricks for Cheapest Quotes

Searching for lower insurance coverage rates for your Volvo V60 Cross Country? Feeling guilty for buying overpriced insurance coverage? Say no more because many consumers feel financially strained by their insurance coverage policy.

Because there are so many insurance companies to choose from, it’s difficult to find a lower cost insurer.

Finding the best rates is easy if you know what you’re doing. In a nutshell, everyone who carries insurance will more than likely be able to cut their insurance bill. Although vehicle owners need to have an understanding of how the larger insurance companies compete online and take advantage of how the system works.

The quickest method we recommend to compare insurance rates from multiple companies is to understand auto insurance companies will pay a fee to give you rate quotes. To get started, all you need to do is take a few minutes to give details such as how you use your vehicles, if you require a SR-22, distance driven, and types of safety features. That rating information is then sent to multiple top-rated companies and you will get price comparisons with very little delay.

To compare rates for your car now, click here and complete the quick form.

The insurance bait and switch

Big name companies like Progressive, Allstate and GEICO seem to constantly run ads on TV and radio. They all seem to state the claim about how much you will save if you get a free auto insurance quote and switch to them. It sounds good, but how can they all charge you a lower premium? It’s all in the words they use.

All the different companies give the cheapest rates for the type of customer that will add to their bottom line. For example, a desirable risk could possibly be over age 30, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to the requirements will be quoted higher rates and ends up with the customer buying from a different company. The trick is to say “customers who switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully advertise the way they do. Different companies use different criteria so drivers should do a rate comparison at every renewal. It is impossible to guess which insurance companies will have better prices than you’re paying now.

Do you qualify for these nine discounts?

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so the following list contains both the well known and the more hidden credits available to you.

  • Safe Driver Discount – Safe drivers could pay up to 40% less for V60 Cross Country insurance than their less cautious counterparts.
  • Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less because new vehicles keep occupants safer.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
  • Defensive Driver – Completing a defensive driver course could earn you a small percentage discount if your company offers it.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization could trigger savings when getting a auto insurance quote.
  • Telematics Data Discounts – Insureds who allow their company to spy on their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Safety Restraint Discount – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

We need to note that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount should definitely cut the amount you pay for coverage.

To see providers who offer free insurance coverage quotes, follow this link.

Don’t assume everyone needs the same insurance coverage

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2017 Volvo V60 Cross Country is totaled?
  • Is my 2017 Volvo V60 Cross Country covered for smoke damage?
  • Where can I find DUI or SR-22 insurance?
  • Should I have a commercial auto policy?
  • Why do I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why is insurance for a teen driver so high?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Learn about insurance coverages for a 2017 Volvo V60 Cross Country

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, attorney fees, bail bonds, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive 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 damage from a tornado or hurricane, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like rehabilitation expenses, doctor visits, X-ray expenses and dental work. They are often used to fill the gap from your health insurance policy 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. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo V60 Cross Country.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

Collision coverage will pay to fix damage to your V60 Cross Country from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Shop smart and save

Lower-priced auto insurance can be sourced from both online companies as well as from insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not have price quotes online and usually these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of information how to save on 2017 Volvo V60 Cross Country insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best rates are with a small local company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

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