Save on 2015 Volvo XC70 Insurance Rates

Are you at wits end from being strong-armed to keep your car insured? Your situation is no different than the majority of other drivers. Since drivers have many options when it comes to insurance, it’s nearly impossible to pick the right insurer.

Consumers need to compare prices before your next renewal because insurance prices trend upward over time. Just because you found the lowest rates on XC70 insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

Shopping for the lowest cost protection is not that difficult. If you have a policy now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Drivers just need to understand the proper way to compare price quotes on the web.

Take policy discounts and save

Auto insurance is easily one of your largest bills, but you may be missing some discounts that can help lower your rates. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically before you will receive the discount.

• Student in College – Any of your kids living away from home attending college and don’t have a car could get you a discount.
• Senior Citizens – Older drivers may qualify for better auto insurance rates on XC70 insurance.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save nearly 15% which can help you find cheaper insurance coverage.
• Passive Restraints – Factory options such as air bags may earn rate discounts of 25 to 30%.
• Government Employees – Active or retired federal employment may reduce rates when you quote insurance coverage on XC70 insurance with a few auto insurance companies.
• Low Mileage Discounts – Maintaining low annual mileage can qualify you for better prices on cars that stay parked.
• Payment Method – By paying your entire bill at once instead of paying each month you may reduce your total bill.

A quick disclaimer, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

To see a list of auto insurance companies that offer some of these discounts, click this link.

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Compare free car insurance quotes

Finding a lower price on 2015 Volvo XC70 insurance is a great way to save money. You just have to take the time comparing free insurance coverage quotes from different insurance companies. You can get a good selection of rate quotes by following the guidelines below.

1. The most efficient method to find low rates is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating separate quotes for every car insurance company. One form submission will return price quotes from car insurance companies with the best prices.
2. Another way to find lower rates is to manually visit the website for each individual company and fill out a new quote form. For instance, let’s assume you want to get rates from Nationwide, 21st Century and Farmers. You would have to take the time to go to each site to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just make sure you are using identical coverages for each quote you get. If each company quotes different coverage information it’s impossible to find the best deal for your Volvo XC70.

Smart buyers save more

Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, but some are less obvious such as your credit history or your commute time.

The items below are some of the major factors companies use to determine your rates.

• Gals tend to be lower risk – Statistics have proven that females tend to be a little less risky than males. However, this does not mean females are better drivers. Women and men cause fender benders in similar numbers, but men get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore pay the highest rates.
• Bundle policies to earn discounts – Lots of insurance coverage companies will award lower prices to insureds who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to compare other company rates to ensure the best deal. Drivers may still save money by buying from different companies
• Having a spouse is a good thing – Walking down the aisle may save some money on insurance coverage. It generally demonstrates drivers are more mature than a single person and statistics show married drivers tend to file fewer claims.
• Can a thief steal your car? – Driving a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
• Higher insurance coverage rates for specific jobs – Occupations like judgesairline pilots and stock brokers usually pay higher premiums than the average policyholder attributed to high stress levels and long work days. Conversely, careers like farmers, athletes and the unemployed have the lowest average rates on XC70 insurance.
• Rates impacted by your city – Being located in areas with lower population has definite advantages when buying insurance coverage. Less people corresponds to lower accident rates and lower theft and vandalism rates. Drivers who live in large cities have traffic congestion and much longer commute distances. More time commuting means higher likelihood of an accident.
• Avoid unnecessary add-on coverages – There are a lot of extra bells and whistles that you can buy but may not be useful. Coverages for rental car coverage, towing, and motor club memberships are some examples. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.
• Drive fewer miles and save – Driving a lot of miles each year the more you will pay for insurance coverage. A lot of companies calculate rates based on how the vehicle is used. Cars that do not get driven very much receive better premium rates than cars that get driven a lot. It’s a smart idea to ensure your insurance coverage policy states the correct usage, because improper ratings can cost you money. Improper usage on your XC70 may be costing you higher rates.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Am I covered when using my vehicle for business?
• Am I covered if my car is in a flood?
• Are split liability limits better than a combined single limit?
• Where can I find DUI or SR-22 insurance?
• What if I don’t agree with a claim settlement offer?
• What is no-fault insurance?
• Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

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Slick advertising tricks that work

Consumers can’t get away from all the ads that claim the best premium rates by Allstate and Progressive. All the ads tend to make the same promise about how much you will save if you switch your policy.

How is it possible that every company can sell you cheaper insurance coverage? Here is how they do it.

Insurance companies have an ideal profile for the type of customer that will add to their bottom line. One example of this type of risk profile might have to be between the ages of 30 and 45, has few claims, and drives less than 5,000 miles a year. A customer that hits that “sweet spot” gets the lowest premium rates and as a result will probably save some money.

Insureds who do not meet these standards may be forced to pay a higher premium and this can result in the customer buying from a different company. The ad wording is “people that switch” not “everyone that quotes” save that kind of money. That’s the way companies can lure you into getting a quote.

Because of this risk profiling, it is so important to compare quotes as often as possible. It’s just too difficult to predict which company will give you lower premium rates than your current company.

Auto insurance coverages

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, theft, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This will cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, backing into a parked car, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, hospital visits, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Volvo XC70.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

You can do this!

We covered quite a bit of information on how to get a better price on 2015 Volvo XC70 insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best rates are with the smaller companies. Regional companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

There are still a few companies who don’t offer price quotes online and these small, regional companies only sell coverage through independent insurance agencies. Cost effective 2015 Volvo XC70 insurance is possible both online and with local insurance agents, and you need to price shop both to get a complete price analysis.

Much more information about auto insurance can be read at these links:

• Medical Payments Coverage (Liberty Mutual)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving Statistics (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Determing Auto Insurance Rates (Geico)
• Understanding Your Insurance Deductible (Insurance Information Insitute)

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

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