Compare 1998 Volvo C70 Insurance Rates

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.

Eight tips to get lower-cost insurance rates

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.

  • Adjust physical damage deductibles and save – Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your Volvo from damage. Examples of covered claims would be collision with another vehicle, flood damage, and damage from a fallen tree branch. Comp and collision deductibles state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more the insured is willing to pay, the lower your rates will be on C70 insurance.
  • Where do you drive? – The more you drive annually the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles that are left in the garage qualify for better rates than vehicles that have high annual mileage. Having the wrong rating on your C70 is throwing money out the window. Make sure your insurance coverage policy states the correct driver usage, because improper ratings can cost you money.
  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles reduce the chance of injuries and fewer serious injuries translates directly to fewer claims passed on to you as lower rates. If your Volvo C70 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Male costs may be higher – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean females are better at driving than males. Females and males are in auto accidents at about the same rate, but men cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers generally have the highest accident percentage and are penalized with high insurance coverage rates.
  • Eliminate extra coverages – There are many optional add-on coverages you can purchase if you don’t pay attention. Coverages like coverage for rental cars, towing, and extra life insurance coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so consider taking them off your policy.
  • Accidents hurt – Having a clean driving record impacts your car insurance rates tremendously. Getting just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers who have serious citations like reckless driving or DUI may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive a vehicle.
  • Youthful drivers cost more – Teenage drivers are proven to be easily distracted in a vehicle and because of this, their insurance coverage rates are much higher. More experienced drivers have been proven to be more responsible, are lower risk to insure .
  • Urban areas may pay more – Being located in areas with lower population is a good thing when shopping for auto insurance. Less people means less chance of accidents as well as less vandalism and auto theft. Residents of big cities have to deal with more auto accidents and more time behind the wheel. Higher commute times can result in more accidents.

Don’t miss these premium-slashing discounts

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.

  • Low Mileage Discounts – Driving less may enable drivers to earn better premium rates on cars that stay parked.
  • Defensive Driver Discount – Taking a course teaching driver safety skills could earn you a small percentage discount depending on where you live.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on C70 insurance with certain companies.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Home Ownership Discount – Just owning your own home can save you money because it shows financial diligence.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles are generally safer.
  • Good Student – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Waiver for an Accident – but companies like Libery Mutual, GEICO and Allstate permit an accident before raising your premiums with the catch being you have to be claim-free before the accident.

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.

Do I need special coverages?

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.

  • Can I drive in Mexico and have coverage?
  • Can I rent a car in Mexico?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I wreck a rental car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if hit by an uninsured driver?
  • Am I covered by my spouse’s policy after a separation?

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.

Insurance coverage specifics

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.

Comprehensive coverages

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.

You can do this!

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.

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Comments About 1998 Volvo C70 Insurance

  1. Valery Frank

    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.

  2. Wes Melendez

    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.

  3. Carlena Cherry

    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.

  4. Trudi Hardy

    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.

  5. Aiko Price

    Will Allstate raise rates for a small claim?

  6. Jerome Cooke

    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.

  7. Tena Blanchard

    $100 to anyone who understands their policy.

  8. Sung Mcguire

    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.

  9. Manual Pace

    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.

  10. Mildred Harris

    If you don’t have tickets and live around Reno, NV, check out GEICO. They seem to be cheaper.

  11. Luis Gould

    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.

  12. Zona Bell

    If you have a good history and live around Fort Smith, AR, check out State Farm. They seem to be cheaper.

  13. Ronnie Cohen

    I’ve had State Farm for years. I’m in Fort Smith, AR.

  14. Clifton Hewitt

    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.