Have you fallen victim to an expensive auto insurance policy? Say no more because there are a lot of people just like you who feel imprisoned by their auto insurance policy.
Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute cheapest price
It is always a good idea to take a look at other company’s rates on a regular basis because prices change regularly. If you had the lowest price on C70 insurance at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the quickest way to remove unneeded coverages and save money.
Lots of factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as traffic violations, but others are not as apparent such as whether you are married or your commute time.
The items below are some of the things companies use to determine prices.
Properly insuring your vehicles can get expensive, but you can get discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be inquired about in order for you to get them.
As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.
Some of the insurance companies who may offer most of these discounts include:
Before buying, ask every prospective company how you can save money. Some discounts may not apply to policyholders in every state.
When buying proper insurance coverage, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions may help you determine if you will benefit from professional help.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.
Collision coverage protection
Collision coverage will pay to fix damage to your C70 resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
This 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 coverage protects against things such as hitting a bird, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability car insurance
Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability insurance covers things like medical services, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for medical payments
Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, nursing services, hospital visits and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover 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
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Volvo C70.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
In this article, we covered a lot of tips how to get a better price on 1998 Volvo C70 insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.
Some companies do not offer the ability to get quotes online and many times these regional insurance providers only sell coverage through local independent agents. Discount 1998 Volvo C70 insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
When you buy insurance coverage online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best possible price while still protecting your assets.
Here’s my info. Live in Missoula, MT. Got free quotes online for a 1998 Volvo C70. Ended up at about $70 savings annually. Went with Progressive. Can still barely afford it. Not worth enough to pay for comprehensive and collision.
I live just outside Bismarck, ND. Can’t remember who all I quoted but I ended up saving about $20 each month. Even increased coverage a bit. It’s too old for full coverage.
Quoted with Safeco for my C70 and cut my rates about $60 a year. Not sure if rates are cheaper online or through an agent.
Great info, thanks for posting. I’m in the east part of Aurora, IL. Not sure of all the companies but I ended up saving about $20 each month. They have free quotes online. I think I’ll get rid of full coverage next time.
Will Allstate raise rates for a small claim?
Thanks for putting this site together. Proud to be from Lincoln, NE. Quoted a bunch of companies. Saved about $20 a month. 21st Century was the best choice for me. Left Amica to switch. It never hurts to quote around.
$100 to anyone who understands their policy.
Hope my rates come down. I’m in Newark, New Jersey. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with The General. Have an at-fault accident tho.
Corporate greed I’m telling you. From northwest of Anchorage, AK. I got free quotes with Auto-Owners, Erie, and Safeco for my 1998 Volvo C70 and saved $66 a year. I have several vehicles insured with them. Still almost need a second mortgage. I just carry liability insurance.
If you don’t have tickets and live around Reno, NV, check out GEICO. They seem to be cheaper.
From northwest of Honolulu, HI. Quoted with Allstate, GMAC, and Esurance for my C70 and I think I saved around $20 each month. Even increased coverage a bit.
If you have a good history and live around Fort Smith, AR, check out State Farm. They seem to be cheaper.
I’ve had State Farm for years. I’m in Fort Smith, AR.
From north side of Mobile, AL. Quoted prices from Allstate, AIG Insurance, and Encompass for my Volvo and I’m now saving $25 a month. Did it all online. Not worth enough to pay for comprehensive and collision.