Lower Your 2014 Volvo XC70 Car Insurance Rates

Finding cheaper insurance for a Volvo XC70 can turn out to be difficult, but you can use the following methods to save time. There is a better way to buy car insurance and we’ll show you the quickest way to quote coverages on a Volvo and obtain the best price possible from local insurance agents and online providers.

Discounts to earn cheap insurance coverage rates

The cost of insuring your cars can be expensive, but there could be available discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you complete an application, but some need to be asked for in order for you to get them.

• Seat Belts Save – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on XC70 coverage depending on your company.
• Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote when compared to insureds who have frequent claims or accidents.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one company you will save up to 20% off your total premium.
• ABS Brakes – Cars and trucks equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Own a Home and Save – Being a homeowner can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies may permit one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
• Multiple Cars – Drivers who insure several vehicles with one company can get a discount on all vehicles.
• College Student – College-age children who are attending college and leave their car at home can receive lower rates.
• Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.

Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see insurance companies who offer free insurance coverage quotes, click here.

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Finding auto insurance

Getting a low cost price on 2014 Volvo XC70 insurance is not a difficult process. All you need to do is invest a few minutes getting comparison quotes to see which company has affordable insurance coverage quotes. This is very easy and can be done by following the guidelines below.

1. Probably the best way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form saves time by eliminating boring form submissions for each price estimate. One form will get you rate comparisons instantly. Just one form and you’re done.
2. Another way to find more affordable insurance requires a trip to the website for each individual company and repeat the quote process again and again. For example, we’ll assume you want to view quotes from USAA, Allstate and Progressive. In order to get each rate, you would have to take the time to go to each site and enter your information, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

It’s up to you which method you use, but be sure you’re using exactly the same coverages and limits with every price quote. If each company quotes mixed coverages it will be impossible to determine the best price for your Volvo XC70.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover if you would benefit from professional advice.

• Am I covered if I hit my neighbor’s mailbox?
• Can I drive in Mexico and have coverage?
• When can I cancel my policy?
• Do I need motorclub coverage?
• Am I covered if I drive in a foreign country?
• How much can I save by bundling my policies?
• When would I need additional glass coverage?
• Is my trailer covered?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage will pay to fix damage to your XC70 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for nursing services, chiropractic care and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volvo XC70.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding, hitting a deer, vandalism and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

This will cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

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. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, medical expenses, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

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Money doesn’t grow on trees

Lower-priced insurance is attainable online and from local agencies, and you should compare rates from both to have the best selection. There are still a few companies who may not offer online quoting and these regional insurance providers provide coverage only through independent agencies.

Consumers switch companies for a number of reasons such as unfair underwriting practices, high prices, lack of trust in their agent and poor customer service. No matter why you want to switch, finding a great new company is not as hard as you think.

We just showed you a lot of techniques to save on 2014 Volvo XC70 insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your car insurance rates. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Additional insurance information is located at these links:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)

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