1998 Volvo V70 Insurance Quotes

Do you get exhausted from scraping the payment together to pay high insurance rates every month? Your situation is no different than millions of other consumers. Because there are so many choices of insurance companies, it’s difficult to find the right insurance provider.

Affordable insurance quotes with discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically at quote time, but a few must be specifically requested prior to receiving the credit.

• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
• Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
• Good Students Pay Less – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as Progressive and Allstate permit an accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
• Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
• Homeowners Discount – Just being a homeowner may earn you a small savings since home ownership requires a higher level of personal finance.
• Active Military Service – Having a deployed family member could mean lower rates.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less for V70 coverage than drivers with accidents.
• Defensive Driving Course – Passing a course that instructs on driving safety can save you 5% or more if your company offers it.
• Government Employees – Being employed by or retired from a federal job may reduce rates when you quote car insurance for V70 coverage with a few insurance companies.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

Larger insurance companies and their possible discounts are shown below.

• Progressive may include discounts for homeowner, online quote discount, online signing, continuous coverage, and good student.
• MetLife has discounts for accident-free, defensive driver, claim-free, good student, and multi-policy.
• Mercury Insurance may offer discounts for anti-theft, type of vehicle, annual mileage, good student, and age of vehicle.
• Nationwide may have discounts that include good student, family plan, accident-free, easy pay, multi-policy, and defensive driving.
• Geico has savings for emergency military deployment, multi-policy, anti-lock brakes, anti-theft, and membership and employees.
• AAA discounts include anti-theft, multi-car, multi-policy, good driver, pay-in-full, and AAA membership discount.

If you need lower rates, check with all companies you are considering how you can save money. All car insurance discounts may not be available in your area. To view insurance companies that offer some of these discounts, click here.

The most recommended method to compare rate quotes is to realize car insurance companies will pay a fee to provide you with a free rate quote. All you need to do is provide the companies a bit of rating information including if you lease or own, if a SR-22 is needed, whether you are single or married, and driver ages. That information is automatically sent to multiple different insurance companies and they return cost estimate instantly.

To start a rate quote now, click here and enter the information requested.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Is my Volvo V70 covered if I use it for business?
• Do I have coverage when using my vehicle for my home business?
• Am I covered if I hit my neighbor’s mailbox?
• Should I drop comprehensive coverage on older vehicles?
• Is business property covered if stolen from my car?
• What are the financial responsibility laws in my state?
• What is the minimum liability in my state?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your car insurance policy

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your V70 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Volvo V70.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical services, funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, a broken windshield, hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for pain medications, rehabilitation expenses, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Save for a rainy day

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

In this article, we covered some good ideas how you can shop for 1998 Volvo V70 insurance online. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. Drivers may discover the lowest car insurance rates are with a small local company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

To learn more, link through to the articles below:

• Cellphones, Texting and Driving (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Senior Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)