2010 Volvo XC60 Insurance Rates

Trying to find cheaper insurance coverage rates for your Volvo XC60? If you are a novice to online insurance coverage shopping, you may be overwhelmed by the crazy number of online insurance coverage companies and websites selling insurance.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Although consumers must learn how insurance companies market on the web and use this information to your advantage.

Six tips to get cheaper insurance premiums

Smart consumers have a good feel for some of the elements that go into determining the level of your policy premiums. When you understand what determines premiums, this allows you to make good choices that may reward you with cheaper rates.

• Can a thief steal your car? – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
• Safer the car lower the rate – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles have better occupant injury protection and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your Volvo XC60 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Are males or females drivers cheaper? – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. Both sexes cause at-fault accidents at about the same rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI. Teenage male drivers have the highest risk to insure and therefore have the most expensive auto insurance rates.
• Rates can drop if you have more than one policy – Many companies provide better rates to customers that have more than one policy in the form of a multi-policy discount. Even with this discount, you may still want to compare rates to make sure you are getting the best deal. Drivers may still find lower rates even if you have your coverage with different companies
• Lower rates come with age – Older people are shown to be more cautious, file fewer claims and receive fewer citations.Beginning drivers are proven to be more careless when behind the wheel so they pay higher auto insurance rates.
• Rates impacted by your city – Having an address in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. People in densly populated areas tend to have more road rage incidents and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.

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Do you qualify for discount car insurance?

Car insurance companies don’t list the complete list of policy discounts very well, so the following list contains both well-publicized and the more hidden discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Low Mileage Discounts – Maintaining low annual mileage can earn better car insurancerates on cars that stay parked.
• Discounts for Multiple Vehicles – Buying insurance for all your vehicles with the same car insurance company can get a discount for every vehicle.
• Auto/Home Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
• Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts of more than 20%.
• Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% because new vehicles keep occupants safer.
• Telematics Discount – Drivers who agree to allow their insurance company to look at when and where they use their vehicle remotely such as Progressive’s Snapshot may see discounts if they are good drivers.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and State Farm will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
• Claim-Free Discount – Good drivers with no accidents can save substantially when compared with frequent claim filers.
• Organization Discounts – Belonging to a professional or civic organization could earn you a nice discount on car insurance.
• Switch and Save Discount – Some companies reward drivers for switching to them prior to the expiration date on your current policy. This can save 10% or more.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

If you would like to see a list of companies offering car insurance discounts, click this link.

Why you might not save $452 a year

Big name companies like State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. All the companies tend to make the same promise that you’ll save big after switching to them. Is it even possible that every company can save you money? It’s all in the numbers.

All companies quote the lowest rates for the type of customer that earns them the highest profit. For example, a profitable risk profile should be between the ages of 30 and 45, has other policies, and drives a lower-performance vehicle. A driver that meets those criteria gets the lowest premium rates and will also pay quite a bit less when switching companies.

Drivers who do not fit these standards will probably have to pay higher rates and this results in the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently make the claims of big savings. Each company has different criteria, so you need to do a price quote comparison at every renewal. It’s not possible to predict which company will have the best auto insurance rates.

What insurance coverages do I need?

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

• Should I buy only the required minimum liability coverage?
• Do I have any recourse if my insurance company denies a claim?
• When should I not file a claim?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered if I hit a deer?
• How much underlying liability do I need for an umbrella policy?
• What is medical payments coverage?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

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Auto insurance coverages explained

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volvo XC60.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, X-ray expenses, EMT expenses, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, repair bills for other people’s vehicles, loss of income, legal defense fees and medical services. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Coverage for collisions

This covers damage to your XC60 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter, crashing into a building, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Make a quick buck

People switch companies for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy non-renewal or extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is not as hard as you think.

The cheapest 2010 Volvo XC60 insurance is available on the web and with local insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not provide price quotes online and usually these regional insurance providers only sell coverage through local independent agencies.

We just covered many ways to lower your 2010 Volvo XC60 insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

More detailed insurance information can be found by following these links:

• Older Driver Statistics (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Insuring a Leased Car (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (Geico)

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