2004 Volvo V70 Car Insurance Quotes – 8 Tips for Best Rates

Trying to find low-cost insurance for a new or used Volvo V70 can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to buy insurance and you need to know the quickest way to compare rates for your Volvo and locate the best price possible.

It’s a great practice to get comparison quotes as often as possible because rates go up and down regularly. Even if you got the best rate on V70 insurance a year ago you may be paying too much now. Forget all the misinformation about insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Drivers save money with these eight discounts

Car insurance can cost a lot, but you may qualify for discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but some must be asked about before they will apply.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy some life insurance too.
• Driver Training Discounts – Taking time to complete a driver safety class could possibly earn you a 5% discount if you qualify.
• Student Driver Training – Have your child sucessfully take a drivers education course as it can save substantially.
• Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on V70 insurance with a few insurance companies.
• Telematics Discount – Insureds that choose to allow driving data submission to spy on driving patterns by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they are good drivers.
• Anti-lock Brake Discount – Cars equipped with ABS or steering control prevent accidents and will save you 10% or more.
• Professional Memberships – Affiliation with a qualifying organization is a simple method to lower premiums when shopping for insurance.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper since newer vehicles have better safety ratings.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

Some of the larger companies that may offer these discounts may include but are not limited to:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you are trying to find cheaper auto insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in your area. To see insurance companies offering insurance discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheapest auto insurance rate quotes

Most companies such as Geico, State Farm and Progressive allow consumers to get price estimates direct online. The process is quite simple because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. Once you submit the form, their system will obtain your credit score and driving record and returns pricing information based on these factors.

Online quotes makes it simple to compare prices but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes in order to find a lower rate.

There is a better way to compare rates

The easiest way to find better auto insurance pricing requires only one form to obtain quotes from several different companies. It saves time, requires less work, and makes comparison shopping much easier to do. As soon as you send your information, it is quoted and you can choose your choice of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process takes less than 15 minutes and may save quite a bit of money.

In order to find out how much you can save on auto insurance, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you copy your coverages exactly as shown on your declarations page. Doing this assures you are getting rate quotes based on identical coverages.

Special considerations

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if you could use an agent’s help.

• How can I get high-risk coverage after a DUI?
• Do I need more liability coverage?
• Do I need special endorsements for business use of my vehicle?
• Do I have coverage when making deliveries for my home business?
• Does my car insurance cover rental cars?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if I break a side mirror?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance ads are enticing

Drivers can’t get away from ads for the lowest price insurance from the likes of Geico, State Farm and Progressive. They all make an identical promise that drivers can save some big amount if you move to their company.

That’s great but how can every company offer you a better deal?

Companies quote the lowest rates for the type of driver that will add to their bottom line. For instance, this type of risk profile might be described as between the ages of 30 and 50, owns their home, and drives less than 5,000 miles a year. Anybody that matches those criteria will most likely get cheap car insurance rates as well as save a lot if they switch.

Drivers who fall short of the ideal profile will be quoted higher premiums which leads to the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can make claims like that.

Because of this risk profiling, you should compare price quotes frequently. Because you never know the company that will give you the biggest savings.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Information about specific coverages

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, ambulance fees, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

This coverage will pay to fix damage to your V70 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical services, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Final thoughts

We just presented a lot of ways to reduce 2004 Volvo V70 insurance premium rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper auto insurance. You may even discover the biggest savings come from some of the lesser-known companies.

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, policy cancellation, delays in responding to claim requests and even not issuing a premium refund. No matter why you want to switch, finding a great new company is actually quite simple.

The cheapest 2004 Volvo V70 insurance can be found on the web and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers may not offer rate quotes online and many times these regional carriers prefer to sell through independent agents.

More detailed insurance information is located by following these links:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption