Compare 2000 Volvo S70 Insurance Rates

Looking for cheaper auto insurance rates for your Volvo S70? If you’re new to shopping for auto insurance quotes online, chances are good that you are confused thanks to the huge assortment of local and online companies that all promise the best rates.

Get affordable car insurance with discounts

Car insurance companies do not advertise their entire list of discounts in a way that’s easy to find, so the list below contains some of the best known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

• Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
• Accident Forgiveness Coverage – Not really a discount, but a few companies such as Progressive, Allstate, and Geico allow you one accident without the usual rate increase if you have no claims prior to being involved in the accident.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
• Government Employees – Having worked for a branch of the government can earn a discount up to 10% on S70 coverage depending on your company.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money due to better safety requirements for new model year vehicles.
• No Claims – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.
• Homeowners Discount – Being a homeowner may trigger a policy discount on car insurance because of the fact that having a home is proof of financial responsibility.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
• Memberships – Joining certain professional organizations is a simple method to lower premiums on your next renewal.

Don’t be surprised that most discount credits are not given to all coverage premiums. Most cut 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, that’s just not realistic.

Larger car insurance companies and some of their more popular discounts are shown below.

• Progressive may include discounts for online signing, multi-policy, homeowner, multi-vehicle, good student, and continuous coverage.
• The Hartford policyholders can earn discounts including driver training, air bag, anti-theft, vehicle fuel type, bundle, good student, and defensive driver.
• Mercury Insurance offers discounts for professional/association, type of vehicle, anti-theft, annual mileage, low natural disaster claims, and good student.
• Geico has savings for emergency military deployment, five-year accident-free, multi-policy, military active duty, multi-vehicle, and defensive driver.
• AAA offers premium reductions for multi-policy, anti-theft, pay-in-full, education and occupation, and multi-car.
• State Farm includes discounts for good driver, passive restraint, student away at school, Steer Clear safe driver discount, and anti-theft.

Before you buy a policy, ask every prospective company to give you their best rates. A few discounts may not be offered in every state. If you would like to view companies that offer discounts, click here.

Ways to get car insurance rate quotes

To get cheaper auto insurance quotes, there a variety of ways to compare rate quotes from different insurance companies. The easiest way to comparison shop is to perform an online rate comparison. This can be accomplished in several different ways.

If you are pressed for time, the simplest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This style of form eliminates the need for separate quotation requests for each company. One form submission gets you price quotes from car insurance companies with the best prices. Just one form and you’re done.

A different way to get comparison quotes consists of going to the website of each company and fill out a new quote form. For example, we’ll pretend you want to view quotes from Auto-Owners, State Farm and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is quicker. For a list of companies in your area, click here.

The least recommended way to compare price quotes to insurance agents’ offices. The ability to quote online has made agencies unnecessary unless you want the guidance of a licensed agent. Although you can price shop your coverage online but purchase the actual policy in an agency.

The method you choose is up to you, but make sure you use nearly identical coverages and limits on every quote. If you enter different liability limits it will be impossible to determine which rate is truly the best. Slightly different limits can mean a large discrepancy in price. It’s important to know that having more price comparisons helps increase your odds of locating better pricing.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your situation will benefit from professional help.

• Does having multiple vehicles earn me a discount?
• Are rock chip repairs covered?
• Is my babysitter covered when using my vehicle?
• Am I covered when driving in Canada or Mexico?
• I don’t drive much so do I pay less?
• I have a DUI can I still get coverage?
• Is my 2000 Volvo S70 covered for smoke damage?
• Do all my vehicles need collision coverage?
• Does my 2000 Volvo S70 qualify for pleasure use?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage breakdown

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, rock chips in glass, theft, vandalism and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, repair costs for stationary objects, emergency aid and court costs. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2000 Volvo S70.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Collision insurance

Collision insurance will pay to fix damage to your S70 resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree, sideswiping another vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, doctor visits, dental work, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Don’t break the bank

People switch companies for many reasons like lack of trust in their agent, policy cancellation, high rates after DUI convictions or even delays in responding to claim requests. Regardless of your reason, finding a great new company is less work than it seems.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. In many instances, someone sacrificed physical damage coverage and discovered at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Some companies do not offer price quotes online and most of the time these small insurance companies sell through independent insurance agents. Affordable 2000 Volvo S70 insurance can be bought both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money.

More information is located on the following sites:

• Cellphones, Texting and Driving (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)