2000 Volvo S70 Car Insurance Rates – 8 Savings Tips

If you’re trying to find lower-priced insurance on the web, do you get overwhelmed by the wide range of auto insurance choices available to you? There are so many options that it can really be a ton of work to lower your auto insurance rates.

You need to get comparison quotes before your policy renews because auto insurance prices change quite often. Just because you had the lowest rates on S70 insurance last year you will most likely find a better premium rate today. You can find a lot of wrong information about auto insurance on the internet, but I’m going to show you the best ways to lower your auto insurance premiums.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. This article will teach you the best way to quote coverages and some money-saving tips. Although consumers must understand how companies market on the web and apply this information to your search.

How to get free insurance quotes online

When shopping for insurance there are multiple ways to get quotes from companies that offer insurance in your state. One of the best ways to find affordable Volvo S70 insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

• One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating separate forms for every prospective company. Taking the time to complete one form will get you rate comparisons from insurance companies with the best prices. It’s the fastest way to compare.
• A different way to find more affordable insurance is going to each company’s website and fill out their own quote form. For examples sake, we’ll assume you are doing a rate comparison from Nationwide, Progressive and State Farm. To find out each rate you need to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The final way to quote and compare insurance rates to local insurance agencies. The ability to get quotes online has made agencies unnecessary unless you require the advice and guidance of a local agency. It is possible to comparison shop online but still have the advice of a local agent.

However you get your quotes, make sure you are using exactly the same coverage information for each quote you get. If your comparisons have different liability limits it’s not possible to make a fair comparison for your Volvo S70. Quoting even small variations in insurance coverages or limits could mean much higher rates. Keep in mind that making a lot of price comparisons gives you a better chance of getting a better price. Some smaller insurers to not give online rate quotes, so you should also compare rates from them as well.

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Brand name doesn’t guarantee savings

Well-known insurance companies like Progressive, Geico, Allstate and State Farm continually stream ads on TV and radio. They all seem to make the point that people will save if you just switch your policy. But how can every company sell you cheaper insurance coverage? You have to listen carefully.

All companies quote their cheapest rates for the type of customer they prefer to insure. For example, this type of driver might be described as a married female, has a clear driving record, and has great credit. Any person that meets those criteria is entitled to the best price as well as cut their rates if they switch.

Potential customers who fall short of these standards may be required to pay higher premiums and ends up with business not being written. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently state the savings. This really emphasizes why you really need to compare rate quotes every year. Because without a comparison, you cannot know which insurance company will fit your personal profile best.

Lower rate quotes with these eight car insurance discounts

Companies don’t always list all their discounts very clearly, so we researched some of the more common in addition to some of the lesser obvious car insurance savings.

• New Car Discount – Insuring a new car may earn a small discount since new vehicles have better safety ratings.
• Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Switch and Save Discount – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
• Service Members Pay Less – Having a deployed family member could qualify you for better car insurance rates.
• Drive Less and Save – Low mileage vehicles may enable drivers to earn cheaper car insurancerates.
• College Student Discount – College-age children living away from home attending college and don’t have a car can receive lower rates.
• One Accident Forgiven – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up so long as you are claim-free for a certain period of time.
• Discount for Life Insurance – Larger insurance companies have a break if you buy a life policy as well.

We need to note that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount should help reduce your policy premiums.

Larger car insurance companies and some of their more popular discounts are shown below.

• State Farm policyholders can earn discounts including multiple autos, multiple policy, accident-free, Steer Clear safe driver discount, Drive Safe & Save, and good student.
• American Family offers premium reductions for good student, TimeAway discount, early bird, mySafetyValet, and Steer into Savings.
• Geico discounts include seat belt use, five-year accident-free, membership and employees, driver training, and multi-vehicle.
• 21st Century offers discounts including good student, theft prevention, 55 and older, air bags, driver training, defensive driver, and anti-lock brakes.
• Progressive may include discounts for homeowner, online signing, multi-vehicle, multi-policy, continuous coverage, good student, and online quote discount.

Check with every insurance company which discounts you may be entitled to. All car insurance discounts may not be offered in your area. To see a list of companies with the best car insurance discounts, click here.

Auto insurance can get complicated

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

• Does my 2000 Volvo S70 need full coverage?
• Can I afford low physical damage deductibles?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I hit my neighbor’s mailbox?
• How do I insure my teen driver?
• What can I do if my company denied a claim?
• Am I covered by my spouse’s policy after a separation?
• Am I getting all the discounts available?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

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Auto insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo S70.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

Collision insurance pays for damage to your S70 from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

In the end, you save

You just read many tips how you can shop for 2000 Volvo S70 insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive car insurance. You may even find the lowest car insurance rates come from a lesser-known regional company.

When shopping online for insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped full coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

Cost effective 2000 Volvo S70 insurance is available online and also from your neighborhood agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not offer online price quotes and usually these regional insurance providers sell through local independent agencies.

Even more information can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Medical Payments Coverage (Liberty Mutual)
• What is Full Coverage? (Allstate)

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