Cheaper 1993 Volvo 960 Car Insurance Quotes

Vehicle owners who are new to comparing auto insurance rates online are likely to find locating low cost auto insurance is tougher than they thought.

If you have car insurance now, you should be able to reduce your rates substantially using this information. The purpose of this article is to familiarize you with how to get online quotes. But car owners must learn how big insurance companies market on the web.

Insurance coverage discounts are available to reduce your rates

Some providers don’t always list every possible discount very clearly, so the below list has both the well known as well as some of the hidden credits available to you.

• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
• Paperless Signup – A few larger online companies will provide an incentive just for signing your application on their website.
• No Charge for an Accident – Not really a discount, but some insurance companies permit an accident before raising your premiums if you have no claims before the accident.
• Military Rewards – Having an actively deployed family member can result in better insurance coverage rates.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But any discount will help reduce the premium cost.

If you would like to choose from a list of insurers that offer discounts, click this link.

How to buy car insurance online

There are a variety of methods to compare car insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to local insurance agents in your area, or you can stay home and use the web to get the quickest rates.

The majority of car insurance companies enroll in a system that enables customers to send in one quote, and each participating company then returns a price quote. This eliminates the need for quotation requests to each individual car insurance company.

To enter your information into the quoting system, click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose the insurers you will receive quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare the same quote information for every company. If your comparisons have different data you can’t possibly truly determine the lowest rate. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing a large number of companies helps improve the odds of finding a better price.

Everyone needs different auto insurance coverages

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

• What is an SR-22 filing?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my ex-spouse still covered by my policy?
• Are rental cars covered under my policy?
• How much liability do I need to cover my assets?
• How high should deductibles be on a 1993 Volvo 960?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This pays for damage to your 960 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 1993 Volvo 960.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair costs for stationary objects, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, hospital visits, nursing services, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, theft and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a smart shopper

We covered a lot of techniques to save on 1993 Volvo 960 insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the biggest savings come from some of the smallest insurance companies.

When getting auto insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Consumers switch companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.

Additional detailed information is available by following these links:

• Distracted Driving (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)