1996 Volvo 850 Insurance Rates

Think you have an overpriced car insurance policy? Say no more because there are many consumers feeling the pinch from expensive car insurance. With people having so many choices, it is hard for the average consumer to choose the best car insurance company.

It’s important to compare prices occasionally since prices change quite often. Even if you think you had the lowest quotes for 850 coverage a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

Discounts for lower-cost insurance rates

Auto insurance companies do not advertise every disount available very well, so below is a list both well-publicized as well as some of the hidden credits available to bring down your rates. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Senior Citizen Rates – Seniors may be able to get reduced rates for 850 coverage.
• Safety Course Discount – Taking a driver safety course is a good idea and can lower rates if your company offers it.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
• Homeowners Pay Less – Just owning your own home can save you money because owning a home is proof that your finances are in order.
• Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount since new vehicles are generally safer.
• Discount for Multiple Policies – If you can bundle your home and auto insurance with the same company you could save nearly 15% which can help you find low cost insurance.
• Multiple Vehicles – Buying insurance for all your vehicles with the same insurance company could earn a price break for each car.

It’s important to note that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Auto insurance companies that may have most of these discounts may include but are not limited to:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Double check with every prospective company the best way to save money. Some credits may not apply to policyholders in your state.

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What impacts Volvo 850 insurance premiums?

Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but others are less obvious such as your credit history or how financially stable you are.

• Tickets and citations cost more than a fine – Whether or not you get tickets has a big impact on rates. Even one citation could increase your next policy renewal forty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have received serious tickets like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Men drivers tend to cost more – Statistics show females are less aggressive when driving. It does not mean females are better drivers. Men and women cause at-fault accidents at about the same rate, but men have costlier accidents. Men also receive more major tickets like DWI (DUI) or reckless driving.
• More traffic means higher claims – Having an address in less populated areas of the country may provide you with better prices when shopping for auto insurance. Drivers who live in large cities have more auto accidents and higher rates of accident claims. Fewer people translates into fewer accidents in addition to fewer liability claims.
• Cut insurance rates and deter theft – Driving a car that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
• Teen drivers cost more – Older insureds are viewed as being more responsible, cost insurance companies less in claims , and are generally more financially stable.Beginning drivers have been known to be inattentive and easily distracted when driving with friends so insurance rates are higher.
• Liability protection – The liability section of your policy is the protection when you are determined to be liable for causing personal injury or damage in an accident. It provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Pleasure use or commuting – The more you drive every year the higher the price you pay to insure it. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive better premium rates than those used for commuting. It’s always a good idea to double check that your insurance policy reflects how each vehicle is driven. Having an incorrect usage rating on your 850 can result in significantly higher rates.
• Married people drive safer – Getting married may earn you lower rates on your policy. Having a significant other generally demonstrates drivers are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if you will benefit from professional help.

• Are rock chip repairs covered?
• Can I rent a car in Mexico?
• How can I get my company to pay me more for my totalled car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when using my vehicle for business?
• Is a fancy paint job covered?
• What is covered by UM/UIM coverage?
• What can I do if my company won’t pay a claim?
• Are my friends covered when driving my car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance companies are expert advertisers

Consumers can’t get away from all the ads that promise big savings from the likes of State Farm and Allstate. They all advertise the message that drivers can save some big amount just by switching your coverage to them.

It sounds good, but how can they all save you money? It’s all in how they say it.

Different companies can use profiling for the type of customer that will most likely be profitable. An example of this type of insured could possibly be married and over the age of 30, has no tickets, and drives a lower-performance vehicle. Anyone that meets those criteria receives the best premium rates and will most likely save a lot if they switch.

Potential insureds who may not quite match the ideal profile will see higher premium rates and this results in the customer buying from a different company. Company advertisements say “drivers that switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently make those claims.

This really emphasizes why you really should get insurance quotes as often as possible. It is just not possible to predict which insurance companies will have the lowest rates for your situation.

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Coverages available on your car insurance policy

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, bail bonds, funeral expenses, emergency aid and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, hitting a bird and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Volvo 850.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like funeral costs, chiropractic care, prosthetic devices, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

A fool and his money are soon parted

Throughout this article, we presented a lot of techniques to save on 1996 Volvo 850 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance. Consumers could even find that the lowest premium rates are with the least-expected company. Regional companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

When searching for low cost insurance quotes, you should never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice full coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

There are still a few companies who do not offer online rate quotes and these regional insurance providers only sell through local independent agents. Budget-conscious 1996 Volvo 850 insurance can be bought online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis.

Additional auto insurance information can be found at these links:

• A Tree Fell on Your Car: Now What? (Allstate)
• Booster Seat Ratings (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Frontal Crash Tests (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)

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