2013 Volvo XC70 Insurance Cost – 5 Tips for Best Prices

Finding cheaper car insurance quotes online can seem complicated since most people haven’t used online price quotes. Don’t let that stop you because it’s actually quite easy.

Consumers should take time to quote other rates every six months since insurance prices are constantly changing. Even if you think you had the best deal on XC70 coverage two years ago other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance on the web, but in a few minutes you can learn some great ways to buy auto insurance cheaper.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, consumers can benefit by having an understanding of the way companies market on the web and apply this information to your search.

How much is car insurance?

There are a lot of ways you can shop for car insurance and some are less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you could save time and use the web to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to complete one form, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To use this form to compare rates click here to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose the providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you compare the same deductibles and coverage limits with each company. If the quotes have differing limits you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages could skew the results. And when comparing car insurance rates, know that comparing all the rates in your area will increase your chances of finding the best offered rates.

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Is there deception in advertising?

Auto insurance companies such as State Farm and Allstate endlessly run ads in print and on television. All the companies convey the message about saving some big amount if you get a free car insurance quote and switch your coverage to them. But how can every company make the same claim? Just pay attention to how they say it.

All the different companies have an ideal profile for the type of customer they prefer to insure. An example of a driver they prefer could possibly be a female over age 40, has never had a claim, and drives newer vehicles. Any new insured that matches those criteria will qualify for the lowest rates and have a good chance to save some money.

Consumers who are not a match for these criteria will have to pay higher prices and this results in the customer buying from someone else. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can make those claims. Different companies use different criteria so you should get price quotes at each policy renewal. It is impossible to guess with any certainty which company will have better rates than you’re paying now.

These five discounts can lower your auto insurance rates

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so the below list has a few of the more common and the more hidden credits that may apply to you.

• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
• Discount for Low Mileage – Driving fewer miles can qualify you for substantially lower auto insurancerates.
• Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates on XC70 coverage than drivers with accidents.
• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
• Multiple Vehicles – Having multiple cars or trucks on a single policy can get a discount on all vehicles.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, you won’t be that lucky. But any discount will definitely lower the cost of coverage.

A list of companies and a selection of discounts are shown below.

• Geico has discounts for good student, membership and employees, air bags, anti-lock brakes, military active duty, and multi-vehicle.
• Auto-Owners Insurance offers premium reductions for safe driver, anti-theft, mature driver, company car, and air bags.
• American Family may include discounts for mySafetyValet, good student, Steer into Savings, multi-vehicle, bundled insurance, and good driver.
• Esurance discounts include defensive driver, emergency road assistance, multi-policy, good driver, anti-theft, and renters.
• Progressive offers discounts including multi-policy, online signing, multi-vehicle, homeowner, continuous coverage, online quote discount, and good student.
• State Farm may offer discounts for multiple policy, anti-theft, multiple autos, passive restraint, and student away at school.
• AAA may have discounts that include anti-theft, multi-policy, AAA membership discount, good driver, education and occupation, multi-car, and pay-in-full.

When comparing rates, check with each company or agent which credits you are entitled to. A few discounts might not be offered in every state. To find companies who offer discounts, click this link.

Different people need different insurance coverages

When it comes to buying the best insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

• Can I drive in Mexico and have coverage?
• Does my insurance cover my expensive audio equipment?
• Am I covered if I hit a deer?
• Does medical payments coverage apply to all occupants?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my 2013 Volvo XC70 covered for smoke damage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Will my insurance pay for OEM parts?
• Will my rates increase for filing one claim?
• Is my trailer covered?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

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Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your XC70 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection

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

Comprehensive can pay for things like hail damage, theft and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, funeral costs, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Money doesn’t grow on trees

When you buy car insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced physical damage coverage to discover at claim time that it was a big error on their part. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

Cheap 2013 Volvo XC70 insurance can be sourced both online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and these regional carriers provide coverage only through independent agents.

In this article, we covered many ideas to get a better price on 2013 Volvo XC70 insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with an unexpected company.

Much more information about car insurance is located below:

• Things to Know Before you Cancel Insurance (Allstate)
• Older Driver Statistics (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Distracted Driving Statistics (Insurance Information Insitute)

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