View 2016 Volvo XC60 Insurance Rates

Consumers have many options when looking for the best price on Volvo XC60 insurance. You can either spend your time contacting agents trying to get quotes or utilize the internet to find the lowest rates. There is a better way to buy car insurance so you’re going to learn the quickest way to compare rates for your Volvo and obtain the lowest possible price from local insurance agents and online providers.

You need to get comparison quotes every six months because car insurance prices are rarely the same from one policy term to another. If you had the lowest quotes on XC60 insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Drivers just need to know the most efficient way to compare company rates online.

Shop insurance coverage online

Cutting your insurance coverage rates is actually quite simple. The only requirement is to spend a few minutes comparing rates online from several insurance companies. It’s super easy and can be done in a couple of different ways.

• The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for multiple quote forms for every insurance coverage company. Filling out one form gets coverage cost estimates from multiple companies. Just one form and you’re done.
• A less efficient way to analyze rates is to manually visit the website for each individual company and fill out their own quote form. For instance, let’s say you need rates from Farmers, Geico and GMAC. You would be required to take the time to go to each site and enter your information, which explains why we recommend starting with the first method.

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

• The old school method to find and compare rates is driving around to each insurance agency near you. The ability to get quotes online makes this process obsolete unless your situation requires the personal advice that can only be provided by a licensed insurance agent. However, consumers can comparison shop your insurance online but still have the advice of a local agent.

The method you choose is up to you, but be certain you are entering apples-to-apples coverages and limits on every quote. If you use unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

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

 Secured with SHA-256 Encryption

Take policy discounts and save

Not many people think insurance is cheap, but you might find some hidden discounts that many consumers don’t even know exist. Certain discounts will be applied when you get a quote, but some may not be applied and must be specifically requested prior to getting the savings.

• Multi-policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of up to 20% off your total premium.
• Service Members Pay Less – Having a family member in the military could qualify you for better insurance rates.
• Responsible Driver Discount – Insureds without accidents could pay up to 40% less on XC60 insurance as compared to drivers with claims.
• Low Mileage – Maintaining low annual mileage can earn lower insurancerates due to less chance of an accident.
• No Claim Discounts – Insureds with no claims or accidents pay much less as opposed to bad drivers.
• Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for signing up on the internet.
• Passive Restraints – Cars that have air bags could see savings up to 30%.
• Include Life Insurance and Save – Larger insurance companies have a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.

A little disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower your insurance premiums.

Larger insurance companies and some of their more popular discounts are shown below.

• Progressive policyholders can earn discounts including good student, multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, and online signing.
• Farmers Insurance may offer discounts for bundle discounts, good student, distant student, teen driver, and mature driver.
• Farm Bureau discounts include renewal discount, safe driver, multi-policy, driver training, 55 and retired, and good student.
• State Farm includes discounts for multiple autos, accident-free, good driver, anti-theft, driver’s education, Drive Safe & Save, and multiple policy.
• Geico offers discounts including driver training, emergency military deployment, air bags, federal employee, and anti-theft.
• SAFECO has savings for drive less, safe driver, teen safe driver, anti-lock brakes, anti-theft, and multi-car.
• Liberty Mutual offers premium reductions for new graduate, teen driver discount, newly married, good student, new move discount, hybrid vehicle, and new vehicle discount.

When comparing rates, check with all the companies to apply every possible discount. Some discounts might not apply everywhere. If you would like to see a list of insurers that offer many of these discounts, follow this link.

Which policy gives me the best coverage?

When it comes to buying coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• Should I rate my 2016 Volvo XC60 as pleasure use or commute?
• Is business equipment covered while in my vehicle?
• Am I covered if I crash into my own garage door?
• Why do I only qualify for high-risk insurance?
• Why is insurance for a teen driver so high?
• Can I rate high risk drivers on liability-only vehicles?
• What if I owe more than I can insure my car for?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance premiums are influenced by these factors

Part of the insurance coverage buying process is learning the factors that help determine your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that may result in better insurance coverage rates. Many different elements are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are not as apparent such as your credit history or how financially stable you are.

• Better insurance coverage rates on safer vehicles – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity means less claims paid and cheaper rates on your policy.
• How credit rating affects insurance coverage premiums – A driver’s credit score is a large factor in calculating your premium rate. People that have very high credit ratings tend to be better risks to insure as compared to drivers with lower credit scores. So if your credit is low, you could pay less to insure your 2016 Volvo XC60 by repairing your credit.
• Liability coverage – A critical coverage on your policy, liability insurance kicks in when you are found liable for damages from an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to comp and collision, so buy as much as you can afford.
• Gender and insurance coverage – Over time, data shows that women are safer drivers than men. It does not mean females are better at driving than males. Men and women have fender benders at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
• Accidents drive up rates – Whether or not you get tickets has a big impact on rates. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one driving citation may cause rates to rise by twenty percent. Drivers with license-revoking tickets like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.

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

 Secured with SHA-256 Encryption

Are auto insurance companies telling the truth?

Consumers can’t get away from all the ads for auto insurance savings from the likes of Geico, State Farm and Progressive. They all seem to advertise the message about savings if you change your coverage to them.

It sounds good, but how can they all give you a lower rate? It’s all in the wording.

Most companies have strict underwriting profiles for the type of customer that is profitable for them. For example, a preferred risk could be over the age of 35, has never had a policy lapse, and does not commute to work. Anybody who matches that profile will most likely get cheap car insurance rates and therefore will save some money.

Potential insureds who fall short of the requirements may be required to pay higher prices with the end result being the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everybody who quotes” save that much when switching. That’s why companies can claim big savings. Because of this risk profiling, drivers must compare rate quotes every year. It is just not possible to predict which auto insurance company will fit your personal profile best.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your XC60 caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building, rolling your car, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2016 Volvo XC60.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, emergency aid and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, theft and vandalism. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, X-ray expenses and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

In the end, you save

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, denial of a claim or even policy non-renewal. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

We just covered a lot of tips how to get a better price on 2016 Volvo XC60 insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive insurance. Drivers may discover the best auto insurance rates are with the smaller companies.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

Helpful learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Frontal Crash Tests (iihs.org)
• Understanding Car Crashes Video (iihs.org)

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

 Secured with SHA-256 Encryption