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:

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

Comments About 1999 Volvo S70 Insurance

  1. Trinidad Preston

    I think I’m paying too much. Live in Charlotte, North Carolina. Compared quite a few companies. Saved about $10 a month. Allstate was the cheapest for me. I even had a DUI years ago. Liability only on my Volvo.

  2. Cathy Rosa

    Got pretty cheap 1999 Volvo S70 insurance from Allstate in Columbus, Georgia.

  3. Jodee Jenkins

    Live in Baltimore, MD. Quoted with Hartford, AIG Insurance, Mercury, and a couple others for my Volvo and I’m now saving $11 a month.

  4. Benedict Wise

    Went with Western Auto Insurance for my Volvo and cut my rates about $80 a year. Left Farmers to switch. God forbid I actually have a claim. I don’t have comp or collision coverage.

  5. Ross Swanson

    Where is cheaper car insurance? Quoted with Auto-Owners for my S70 and saved about $110 a year. Insured with Amica before. It’s only liability tho.

  6. May Madden

    Cheap is relative. From northwest of Kansas City, Missouri. Received rates from Travelers, Amica, Liberty Mutual, and Sentry for my Volvo and saved about $100 a year. Not sure about claim service. I think I’ll get rid of full coverage next time.

  7. Cedrick Dunlap

    I got decent rates for a 1999 Volvo S70 in Saint Paul, MN. Ended up at roughly $70 every six months with Auto-Owners. Insured with GEICO before.

  8. Cordia Mcintyre

    Any Allstate or Erie customers near Baltimore, Maryland?

  9. Erika Rollins

    Live in Denver, CO. Got car insurance rates from Amica, Nationwide, and Western Auto Insurance for my 1999 Volvo S70 and saved $75 a year. Left State Farm to switch. Switched homeowners coverage too. Did it all online. Not worth enough to pay for comprehensive and collision.

  10. Hilda Lamb

    I live in a small town just outside of Billings, MT. Quoted prices from GEICO, Amica, and Erie for my Volvo and I think I cut my rates about $30 each month. Have an at-fault accident tho. Book value doesn’t justify full coverage anymore.

  11. Blaine Olsen

    Live in Allentown, PA. Quoted rates from Mercury, Eastwood, Progressive, and Amica for my 1999 Volvo S70 and saved just over $80 a year. I have several vehicles insured with them. Only insure liability on my S70.

  12. Britney Briggs

    This is too expensive. I live in Denver, CO. Quoted with Safeco, Esurance, State Farm, and AIG Insurance for my 1999 Volvo S70 and I’m now saving $13 a month. You can get a rate quote online. Book value doesn’t justify full coverage anymore.

  13. Robyn Reilly

    Affordable car insurance is a myth. From a town just southwest of Bridgeport, Connecticut. Quoted prices from American Family, Safeco, and some smaller one I can’t remember the name of for my Volvo and am saving around $80 a year. Next renewal I’ll just do liability.

  14. Martin Jefferson

    If you’re from Gaithersburg, MD get quotes from Allstate and Progressive and you might save.

  15. Karmen Beasley

    If you have a good history and live in the vicinity of Hartford, Connecticut, check out 21st Century. They seem to be cheaper.

  16. Lindsy Hatfield

    In Rochester, NY, GEICO auto insurance rates for my 1999 Volvo S70 were good. Was with Mercury. Switched homeowners coverage too. I just quoted rates online.

  17. Shelley Simpson

    From northwest of Bangor, ME, and GEICO rates were best. Have an at-fault accident tho. Online quotes are the way to go. Anyone else drop full coverage?

  18. Awilda Chang

    I’m from Montgomery, AL. Quoted rates from Allstate, Eastwood, and The General for my S70 and saved around $70 a year. They have a lot of discounts available. Still almost need a second mortgage.

  19. Augusta Holman

    Where is cheaper car insurance? Lifelong resident of Burlington, VT. Quoted with GEICO, AIG Insurance, and Farmers for my S70 and saved around $90 a year. Thankfully I have a good driving record. Just go online and compare their rates. I dropped full coverage awhile back.