Compare 1999 Volvo S70 Insurance Cost

Want cheaper car insurance rates for your Volvo S70? If you are new to getting insurance quotes online, you can be bewildered due to the large number of online car insurance companies and websites all claiming to save you money.

If you currently have car insurance, you should be able to cut costs considerably using these methods. The purpose of this post is to let you in on the best way to quote coverages. Although vehicle owners can benefit by having an understanding of how insurance companies sell insurance online and use this information to your advantage.

Compare quotes for auto insurance

There are a lot of ways to shop for auto insurance, and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.

Many of the larger companies take part in a program where prospective buyers send in one quote, and every company then gives them pricing based on the submitted data. This eliminates the need for quote forms for each company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of form is buyers cannot specifically choose the providers you will receive quotes from. So if you want to choose individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you use nearly identical coverage limits on every quote you get. If you are comparing differing limits it’s not possible to get a fair rate comparison. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, getting more free quotes helps increase your odds of locating lower pricing.

Pay discount rates these rate-reducing discounts

Companies offering auto insurance don’t always advertise all disounts very clearly, so the below list has both well-publicized and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• Cautious Driver Discount – Insureds who avoid accidents could pay up to 40% less on S70 coverage compared to accident prone drivers.
• Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Good Student – Getting good grades may save you up to 25%. The good student discount can last well after school through age 25.
• E-sign – A few insurance companies provide a small discount simply for signing online.
• Distant Student – who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Discount for Low Mileage – Low annual miles can earn cheaper insurance coveragerates.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Multiple Vehicles – Drivers who insure more than one vehicle on one policy may reduce the rate for each vehicle.

Don’t be shocked that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Auto insurance companies that may offer policyholders some of the above discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

Before you buy a policy, ask every company which discounts you qualify for. Some discounts might not apply in your state. To locate insurers who offer free insurance coverage quotes, follow this link.

Do I need special coverages?

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover whether or not you could use an agent’s help.

• Will I be non-renewed for getting a DUI or other conviction?
• Do I need motorclub coverage?
• Does coverage extend to Mexico or Canada?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Are my friends covered when driving my 1999 Volvo S70?
• Do I need higher collision deductibles?
• Will my rates increase for filing one claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Insurance coverage basics

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1999 Volvo S70.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, falling objects, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Be a smart shopper

We just covered a lot of ways to shop for 1999 Volvo S70 insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates come from the least-expected company.

When you buy insurance online, you should never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Insureds switch companies for any number of reasons including delays in paying claims, questionable increases in premium, being labeled a high risk driver or policy cancellation. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Helpful information

• Distracted Driving (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Vehicle Insurance (Wikipedia)
• Rental Reimbursement Coverage (Allstate)