Compare 1998 Volvo S70 Car Insurance Quotes

Buying the lowest price car insurance online might appear rather challenging for consumers new to price shopping on the web. With so many insurers available, how can consumers have a chance to compare each option to find the best available rates?

It’s a good idea to get comparison quotes at least once a year because insurance rates fluctuate regularly. If you had the best premium rates for S70 coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the tricks you need to know to lower your annual insurance bill.

Affordable auto insurance rate quotes

Most companies give price estimates from their websites. Comparing rates online doesn’t take much effort because you just enter the coverage amounts you desire into the quote form. After you submit the form their quoting system gets your driving and credit reports and returns a price determined by many factors.

Online price estimates simplifies rate comparisons, but the time it takes to visit several different sites and type in your information is a waste of time. But it’s also necessary to get many rate quotes in order to get the best price possible.

There is a better way to compare rates

The preferred way to find lower prices uses one simple form to obtain quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online shopping much simpler. After sending the form, your coverage is rated and you can choose any of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

To use this form to compare rates, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. Doing this guarantees you are getting a fair comparison for the exact same coverage.

Auto insurance quotes and discounts

Companies do not list every possible discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known credits available to lower your premiums when you buy insurance coverage online.

• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can get savings as much as 30%.
• Buy New and Save – Buying a new car model may earn a small discount compared to insuring an older model.
• Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for S70 coverage with select insurance companies.
• Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will let one accident slide before hitting you with a surcharge if you have no claims prior to the accident.
• Braking Control Discount – Cars with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
• Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for S70 coverage as compared to drivers with claims.
• Good Student Discount – Excelling in school may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
• Low Mileage Discounts – Maintaining low annual mileage may allow you to get discounted auto insurancerates on garaged vehicles.
• Save over 55 – Mature drivers can possibly qualify for a slight reduction on a insurance coverage quote for S70 coverage.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will definitely reduce your policy cost.

Companies that have these money-saving discounts include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Before you buy a policy, ask every prospective company how you can save money. Some credits might not be available to policyholders in your area. To see insurance companies that provide some of the discounts listed above, follow this link.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• Who is covered by my policy?
• How does medical payments coverage work?
• When would I need rental car insurance?
• Is my dog or cat covered if injured in an accident?
• Should I have a commercial auto policy?
• What vehicles should carry emergency assistance coverage?
• Is other people’s property covered if stolen from my vehicle?
• Is my ex-spouse still covered by my policy?

If you can’t answer 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, simply complete this short form.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for rehabilitation expenses, dental work, nursing services, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability

This will cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as loss of income, emergency aid, repair costs for stationary objects, legal defense fees and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.