2003 Volvo XC70 Insurance Quotes

Finding the cheapest insurance for a Volvo XC70 can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage for a new or used Volvo and obtain the best price possible.

It’s a good habit to get comparison quotes at least once a year since rates go up and down regularly. Even if you think you had the lowest rate on XC70 coverage a year ago a different company probably has better prices today. Ignore everything you know about insurance coverage because it’s time to teach you the best way to find better rates and still maintain coverage.

Finding car insurance

Comparing car insurance rates can be a daunting task if you don’t know the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you could use the web to get prices fast.

Many popular insurance companies enroll in a system that enables customers to complete one form, and each participating company then gives them pricing based on that data. This system prevents you from having to do repetitive form submissions to each company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to pricing coverage this way is you can’t choose the companies to receive prices from. If you wish to select specific insurance companies to compare prices, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just try to keep the same quote information on every quote you get. If you compare differing limits it’s not possible to make a fair comparison for your Volvo XC70.

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Insurance companies are expert advertisers

Consumers can’t escape the ads that promise big savings for switching by State Farm and Allstate. They all convey the message that you can save after switching to their company.

How can each company say the same thing? It’s all in the words they use.

Most companies give the best rates for the type of customer that will be a good risk. One example of a desirable risk might be married and over the age of 30, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile will get very good premium rates and will save money with a new company.

Consumers who fall short of the “perfect” profile will have to pay a higher premium with the end result being the customer not buying. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully advertise the way they do. This really illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. Because you cannot predict with any certainty which company will give you lower car insurance rates than your current company.

How car insurance companies determine Volvo XC70 insurance rates

Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but other factors are less apparent like your continuous coverage or your commute time.

The following are some of the major factors used by your company to calculate your rate level.

• Where you live is a factor – Choosing to live in less populated areas is a positive aspect when buying auto insurance. City drivers have to deal with more traffic problems and a longer drive to work. Lower population translates into fewer accident claims in addition to fewer liability claims.
• No policy lapses saves money – Letting your insurance expire is a guaranteed way to drive up your policy premiums. Not only will rates go up, getting caught without coverage may earn you a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Save money with higher physical damage deductibles – Comprehensive and collision coverage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be collision with another vehicle, damage from fire, and damage from wind. The more the insured is willing to pay, the less your company will charge you for insurance on XC70 coverage.
• How much liability – Liability insurance is the coverage that protects you when you are ruled to be at fault for an accident. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Drive lots and pay more – The higher the miles on your Volvo in a year the more you will pay for auto insurance. A lot of companies charge to insure your cars partially by how you use the vehicle. Autos that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage reflects the proper vehicle usage. A policy that improperly rates your XC70 can result in significantly higher rates.

Insurance rates and discounts

Insurance is not inexpensive, but you may be missing some discounts that could help you make your next renewal payment. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you are not getting the best rate possible.

• Club Memberships – Belonging to a civic or occupational organization may earn a discount when getting a auto insurance quote.
• Student Driver Training – Teen drivers should enroll in driver’s education if it’s offered in school.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Homeowners Discount – Owning a home may trigger a policy discount on insurance because maintaining a house shows financial diligence.
• Defensive Driver Discount – Taking time to complete a course in driver safety could possibly earn you a 5% discount if your company offers it.
• Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates on XC70 coverage than their less cautious counterparts.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some companies that have these benefits include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you are trying to find low cost auto insurance quotes, ask each company or agent how many discounts you can get. Some discounts may not be available in your area. To view insurance companies with discount rates, follow this link.

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Situations that may require an agent’s advice

When choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

• Am I covered when pulling a rental trailer?
• How can I get my company to pay me more for my totalled car?
• Do I need replacement cost coverage on my 2003 Volvo XC70?
• Are there companies who specialize in insuring high-risk drivers?
• What discounts do I qualify for?
• Why am I required to buy high-risk coverage?
• Do I have coverage when making deliveries for my home business?
• What are the financial responsibility laws in my state?
• Does my policy cover my teen driver if they drive my company car?
• Is my 2003 Volvo XC70 covered for smoke damage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, hail damage, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills for X-ray expenses, prosthetic devices, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – Collision coverage will pay to fix damage to your XC70 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability – This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Shop smart and save

You just learned a lot of ways to compare 2003 Volvo XC70 insurance car insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding low cost auto insurance. You may even discover the most savings is with some of the smallest insurance companies.

Insureds who switch companies do it for many reasons like high rates after DUI convictions, being labeled a high risk driver, poor customer service and even denial of a claim. It doesn’t matter what your reason, finding a great new company is easier than you think.

A few companies may not offer online quoting and these smaller providers only sell through independent agents. Affordable 2003 Volvo XC70 insurance can be bought both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

Much more information about insurance coverage is available on the following sites:

• What Does No-Fault Insurance Cover? (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Learn About Car Insurance (Geico)

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