Compare 2008 Volvo C70 Car Insurance Quotes

Finding cheap prices for Driversauto insurance can be frustrating for beginners to online price comparisons. You have so many different companies and agents to choose from that it can easily turn into a real challenge to find the lowest price.

How insurance companies determine Volvo C70 insurance prices

Many factors are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving history, although others are less obvious like where you live or your vehicle rating.

• Rates also based on gender – Statistics have proven that females take fewer risks when driving. It does not mean women are better drivers. Both sexes get in at-fault accidents at a similar rate, but males cause more damage. They also get ticketed for serious violations like DUI and reckless driving. Males from age 16 to 21 have the highest risk to insure and thus pay the highest rates.
• Car insurance policy lapses increase prices – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license.
• Do you have enough liability coverage? – The liability coverage on your policy is the coverage that protects you when you are found liable for damages caused by your negligence. It provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so do not skimp.
• Your spouse saves you money – Having a spouse may save some money on car insurance. It means you’re more responsible and statistics show being married results in fewer claims.
• Mature drivers save more – Inexperience drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Older people tend to be more responsible, cause fewer claims and accidents , and usually have better credit.
• Save money with high credit – Your credit score can be a huge factor in determining premium rates. If your credit history is low, you could pay less to insure your 2008 Volvo C70 by taking the time to improve your credit score. Insureds with very high credit ratings tend to file fewer claims and have better driving records than drivers with bad credit.
• Do safer cars cost less to insure? – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Volvo C70 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

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Lower rates by qualifying for discounts

Some insurance providers don’t list all available discounts very clearly, so here is a list some of the more common and the harder-to-find credits that you can use to lower your rates.

• Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less for C70 insurance as compared to drivers with claims.
• New Car Discount – Putting insurance coverage on a new car is cheaper because new model year vehicles have to meet stringent safety requirements.
• Save over 55 – If you qualify as a senior citizen, you may qualify for better car insurance rates for C70 insurance.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
• Early Switch Discount – Some car insurance companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.

A quick disclaimer, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. But any discount will help reduce your premiums.

Large car insurance companies and a partial list of their discounts are shown below.

• State Farm offers discounts for anti-theft, Drive Safe & Save, multiple policy, good student, defensive driving training, and passive restraint.
• Progressive policyholders can earn discounts including online signing, online quote discount, multi-vehicle, good student, multi-policy, homeowner, and continuous coverage.
• Progressive offers discounts including multi-vehicle, multi-policy, online signing, online quote discount, and good student.
• MetLife has savings for good driver, claim-free, good student, defensive driver, and multi-policy.
• Farm Bureau includes discounts for 55 and retired, good student, multi-vehicle, multi-policy, safe driver, renewal discount, and driver training.
• Geico offers premium reductions for anti-lock brakes, anti-theft, military active duty, good student, and air bags.
• SAFECO may include discounts for teen safety rewards, safe driver, bundle discounts, anti-lock brakes, accident prevention training, anti-theft, and drive less.

Check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in your area. To choose insurers offering car insurance discounts, click here.

Insurance coverage is unique, just like you

When buying coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

• Does coverage extend to a rental car in a foreign country?
• Does car insurance cover theft of personal property?
• Does coverage extend to my business vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Will my rates increase for filing one claim?
• Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, hospital visits, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your C70 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Volvo C70.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as hitting a bird, rock chips in glass, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects, bail bonds, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

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Shop around and save

Throughout this article, we presented a lot of information how to compare 2008 Volvo C70 insurance car insurance rates online. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive car insurance. Drivers may discover the lowest priced insurance comes from an unexpected company.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason for switching companies, switching insurance companies can be easier than you think.

When you buy car insurance online, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to find out that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best cost while still protecting your assets.

More information is available on the following sites:

• Collision Coverage (Liberty Mutual)
• How to Avoid Common Accidents (State Farm)
• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Rental Reimbursement Coverage (Allstate)

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