Cheap 1994 Volvo 960 Insurance Cost

Trying to find cheaper insurance for your Volvo 960 can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to buy auto insurance and you need to know the quickest way to quote coverages for a Volvo and find the lowest possible price from both online companies and local agents.

Finding affordable coverage is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Vehicle owners just need to understand the most efficient way to buy insurance coverage on the web.

Discounts to earn cheaper insurance rates

Auto insurance companies do not list all disounts very well, so the list below contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • E-sign – A few larger companies will give a small break shop insurance on their website.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
  • Early Signing – A few companies allow discounts for buying a new policy prior to your current policy expiring. You can save around 10% with this discount.
  • 55 and Retired – Mature drivers can get a small decrease in premiums for 960 insurance.
  • Defensive Driver – Taking a defensive driver class is a good idea and can lower rates and make you a better driver.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will definitely lower the premium cost.

Some of the larger companies who might offer most of these discounts are:

When getting a coverage quote, ask all the companies the best way to save money. Depending on the company, some discounts may not be offered in your area. To find insurers who offer free insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • I have health insurance so do I need medical payments coverage?
  • Will my rates increase for filing one claim?
  • When does my teenage driver need to be added to my policy?
  • How much liability coverage do I need in my state?
  • Are split liability limits better than a combined single limit?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Volvo 960.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

This can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as structural damage, loss of income, pain and suffering, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage 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 coverage protects against claims like rock chips in glass, theft, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses like pain medications, chiropractic care, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This covers damage to your 960 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

More comparisons equals lower rates

Consumers change insurance companies for any number of reasons including policy non-renewal, extreme rates for teen drivers, denial of a claim and lack of trust in their agent. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

Cheap 1994 Volvo 960 insurance is definitely available both online and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not offer price quotes online and many times these small insurance companies sell through local independent agents.

You just learned some good ideas how you can get a better price on 1994 Volvo 960 insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies.

Much more information about car insurance can be found below:

Comments About 1994 Volvo 960 Insurance

  1. Carri Erickson

    If you don’t have tickets and live near Charleston, SC, check out GEICO. You might get cheaper rates. Full coverage costs too much.

  2. Meggan Cobb

    I found cheap 1994 Volvo 960 insurance in Colorado Springs, CO with State Farm.

  3. Raymonde Fox

    Hope my car insurance gets cheaper. Went with American Family for my 1994 Volvo 960 and saved about $100 a year. Left Auto-Owners to switch. My 960 doesn’t have full coverage.

  4. Everett Rush

    Does Allstate have good customer service?

  5. Frances Gilbert

    Does GEICO have good customer service?

  6. Leia Alexander

    Cheap is relative. I live in a small town just outside of New Orleans, Louisiana. Quoted prices from Progressive, Farmers, and Liberty Mutual for my 1994 Volvo 960 and I’m now saving $20 a month. Not sure if rates are cheaper online or not.

  7. Kory Gibbs

    Cheapest quote for my 1994 Volvo 960 was with Esurance. Still almost need a second mortgage. It’s too old for full coverage.

  8. Melynda Rivers

    I compared a lot of rate quotes for a 1994 Volvo 960 in Portland, ME. Ended up at about $90 every six months with AAA. Just go online and compare their rates. I don’t put full coverage on it.

  9. Miriam Porter

    Enjoyed the article. I’m from Eugene, OR. Received quotes from GEICO, AAA, Eastwood, and Liberty Mutual for my 960 and saved $97 a year. Teenage drivers are expensive! My 960 doesn’t have full coverage.

  10. Laverne Webb

    Enjoyed the article. I’m in the south part of Detroit, MI. I quoted with 21st Century, The General, and Farmers for my 960 and saved $61 a year. Teenage drivers are expensive! Hardly afford to drive anymore.

  11. Avril Perez

    Here’s my quote info. Lifelong resident of Fairbanks, AK. I quoted with Western Auto Insurance, Amica, Hartford, and Nationwide for my 1994 Volvo 960 and I’m now saving $12 a month. Insured with Allstate before.

  12. Bethann Haney

    Checking in from Wichita, KS. Compared rates from a lot of places. Saved right around $10 a month. GEICO was the best choice for me. I got a quote from their website. Just liability coverage since it’s getting old.

  13. Naida Boyer

    This is too expensive. I’m in the suburbs of Juneau, AK. Received prices from State Farm, Hanover, and Farmers for my Volvo and I think I am saving around $30 each month. Left Western Auto Insurance to switch. Hardly afford to drive anymore.

  14. Georgie Keller

    I compared a lot of rate quotes for a 1994 Volvo 960 in Allentown, PA. Ended up at right around $80 every six months with Amica. I increased coverages a little too. Are quotes cheaper online? My 960 doesn’t have full coverage.

  15. Sharie Osborne

    I live in Fort Wayne, IN. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the best choice for me. Get lots of quotes to find the best rate. Not worth enough to pay for comprehensive and collision.

  16. Abel Kirk

    If you’re a decent driver and live around Tucson, AZ, check out Allstate. You might get cheaper rates. Insured with Progressive before. I’m thinking about dropping full coverage though.

  17. Ramona Nichols

    If you’re a decent driver and are close to Bangor, Maine, check out Progressive. You might get cheaper rates. Can still barely afford it. It’s too old for full coverage.