2002 Volvo V70 Insurance Rates – 5 Tricks for Best Quotes

Shoppers have lots of choices when shopping for the lowest priced Volvo V70 insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the absolute fastest way to price shop coverage on a Volvo and locate the lowest possible price.

If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. This article will tell you how car insurance quotes work and some tips to save money. Vehicle owners just need to know the proper way to find the lowest price on the web.

Buy insurance online

Getting a cheaper price on 2002 Volvo V70 insurance is actually quite simple. Drivers just need to take a few minutes comparing price quotes provided by online insurance companies. Comparing prices online can be done using a couple different methods.

1. If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating separate quotation requests for each company you want a rate for. One simple form gets coverage cost estimates direct from many companies. It’s the fastest way to compare.
2. Another way to compare prices is going to the website of each company to complete a price quote. For sake of this example, we’ll assume you want to compare prices for Farmers, 21st Century and American Family. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you are using nearly identical coverages for every quote you compare. If you compare higher or lower deductibles you will not be able to determine the best price for your Volvo V70.

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Save 15 percent in 15 minutes? Is it for real?

Consumers can’t escape the ads that claim the cheapest prices by State Farm and Allstate. They all seem to state the claim that you’ll save big after switching your policy.

How is it plausible that every one can make the same claim? This is how they do it.

Insurance companies quote their cheapest rates for the type of insured that will add to their bottom line. One example of a desirable risk might have to be a mature driver, has no driving citations, and has a high credit rating. A driver that matches those criteria receives the best premium rates and as a result will probably save a lot of money.

People who do not meet the ideal profile will see higher premiums and this can result in the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can make it sound like they have such great prices. Because every company is different, you really need to compare price quotes frequently. It’s just not possible to know which insurance companies will have the best premium rates.

Car insurance policy discounts you can’t miss

Companies that sell car insurance don’t always list every available discount very well, so the list below contains a few of the more common and the harder-to-find credits available to lower your premiums when you buy insurance coverage online.

• Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Include Life Insurance and Save – Larger insurance carriers have a discount if you purchase some life insurance in addition to your auto policy.
• Organization Discounts – Belonging to certain professional organizations is a simple method to lower premiums on your policy.
• Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less since new model year vehicles have better safety ratings.
• Paperless Signup – A handful of companies will provide an incentive get insurance coverage over the internet.

As a disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Auto insurance companies that have most of these discounts are:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Before you buy a policy, ask every insurance company how many discounts you can get. Some credits may not apply to policies everywhere. If you would like to choose from a list of companies who offer cheap car insurance quotes, click here.

Insurance agents can help

When choosing adequate coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether your personal situation may require specific advice.

• Are all vehicle passengers covered by medical payments coverage?
• Can I get a multi-policy discount?
• Do I need higher collision deductibles?
• Does my 2002 Volvo V70 qualify for pleasure use?
• What companies insure drivers after a DUI or DWI?
• Am I covered when driving on a suspended license?
• Do I need medical payments coverage since I have good health insurance?
• Who is covered by my policy?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Car insurance coverage options for a 2002 Volvo V70

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto collision coverage

This covers damage to your V70 caused by collision 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 can pay for things like backing into a parked car, crashing into a ditch, hitting a parking meter, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, EMT expenses, doctor visits, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as medical services, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, hitting a deer, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volvo V70.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Compare but don’t skimp

A few companies do not offer the ability to get a quote online and usually these smaller companies only sell coverage through independent agents. Budget-conscious 2002 Volvo V70 insurance is available on the web in addition to many insurance agents, so compare prices from both so you have a total pricing picture.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Drivers who switch companies do it for many reasons like denial of a claim, not issuing a premium refund, high rates after DUI convictions or even policy cancellation. Regardless of your reason, choosing a new insurance company can be pretty painless.

For more information, feel free to visit the following helpful articles:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Liability Insurance Coverage (Nationwide)
• What is Full Coverage? (Allstate)

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