View 2002 Volvo C70 Car Insurance Rates

Want better car insurance rates for your Volvo C70? Having to pay for pricey car insurance can draw down your budget and require stricter spending habits. Getting a rate comparison is recommended to make ends meet.

Popular companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with ads and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It is always a good idea to compare premium rates at least once a year because prices are adjusted regularly by insurance companies. Just because you found the lowest price for C70 coverage a couple years back other companies may now be cheaper. There is a lot of wrong information about car insurance online but we’re going to give you some proven techniques to lower your car insurance bill.

Cheaper rates by taking advantage of discounts

Some insurance providers don’t always publicize all their discounts in a way that’s easy to find, so the next list breaks down both well-publicized and the more hidden credits that you can use to lower your rates. If you are not receiving all the discounts available, you may be paying too high a price.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Low Mileage – Maintaining low annual mileage may allow you to get discounted car insurancerates on garaged vehicles.
  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a car insurance quote. The discount lasts up until you turn 25.
  • 55 and Retired – Older drivers can get a discount up to 10% for C70 coverage.
  • Active Military Service – Being on active duty in the military could be rewarded with lower rates.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for C70 coverage depending on your company.

Discounts lower rates, but some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

Popular car insurance companies and their possible discounts are included below.

  • State Farm policyholders can earn discounts including good student, multiple policy, good driver, multiple autos, Steer Clear safe driver discount, safe vehicle, and passive restraint.
  • Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, online signing, and continuous coverage.
  • Progressive may include discounts for online signing, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.
  • MetLife offers discounts for multi-policy, accident-free, good driver, defensive driver, and good student.
  • Farm Bureau offers premium reductions for good student, multi-vehicle, safe driver, renewal discount, youthful driver, 55 and retired, and multi-policy.
  • GEICO may offer discounts for anti-theft, good student, federal employee, anti-lock brakes, multi-vehicle, and multi-policy.
  • SAFECO offers discounts including drive less, anti-lock brakes, bundle discounts, accident prevention training, multi-car, and homeowner.

When quoting, ask every insurance company to apply every possible discount. Discounts may not be offered everywhere.

How to compare auto insurance rate quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The recommended way to comparison shop is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  • The most recommended method to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for a different quote for every company. One simple form gets you price quotes from several companies.
  • A harder way to find more affordable insurance is to take the time to go to the website of each company and repeat the quote process. For instance, we’ll pretend you want to get rates from USAA, Farmers and American Family. You would need to navigate to each company’s site and type in your information over and over, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using equivalent coverages on every quote. If you compare unequal deductibles or liability limits you can’t possibly determine which rate is truly the best. Even a minor difference in insurance coverages or limits may result in a large different in cost. Keep in mind that comparing more rates from different companies will increase your chances of finding the best price. Some regional insurers cannot provide rate quotes online, so you need to compare price estimates on coverage from those companies, too.

How you can control Volvo C70 insurance costs

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are not quite as obvious such as whether you are married or your vehicle rating.The best way to find cheaper insurance is to take a look at some of the factors that are used to determine insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that will entitle you to better insurance rates.

  • Do you know your deductibles? – The deductibles you choose state the amount of money the insured will be required to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, is used to repair damage to your car. A few examples of covered claims would be a windshield broken by a bird, animal collisions, or theft of your vehicle. The more expense you have to pay, the better rate you will receive for C70 coverage.
  • Women tend to be lower risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Both genders tend to get into fender benders in similar percentages, but men get into accidents with more damage. Not only that, but men also receive more costly citations such as DWI and reckless driving.
  • Prevent your car from being stolen – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Bad credit will cost you – Having a good credit history will be a significant factor in calculating your premium rate. So if your credit score is low, you could pay less to insure your 2002 Volvo C70 by taking the time to improve your credit score. Consumers who have excellent credit tend to be less risk to insure than those with lower ratings.

How much car insurance do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether you may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • How can I get high-risk coverage after a DUI?
  • What if I owe more than I can insure my car for?
  • Which is better, split liability limits or combined limits?
  • Which companies will insure high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • Can I make deliveries for my home business?
  • Does insurance cover tools stolen from my truck?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance policy specifics

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Collision coverage protection

Collision insurance pays for damage to your C70 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability

This provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, structural damage, court costs, funeral expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Volvo C70.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, rehabilitation expenses, chiropractic care, nursing services and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, falling objects, a tree branch falling on your vehicle and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a penny pincher

We just presented some good ideas how you can save on 2002 Volvo C70 insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company. These companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or GEICO.

Some auto insurance companies don’t offer rates over the internet and usually these regional insurance providers only sell coverage through local independent agencies. Lower-priced 2002 Volvo C70 insurance is possible both online and with local insurance agents, so you should compare both to get a complete price analysis.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

Additional information can be read below:

Comments About 2002 Volvo C70 Insurance

  1. Jerome Fowler

    Live in the western part of Rutland, Vermont. Quoted prices from State Farm, American Family, and some I forget for my Volvo and I think I saved about $30 each month. I get a discount for insuring multiple vehicles. Only insure liability on my C70.

  2. Ching Downs

    Got a quote with State Farm for my Volvo and saved about $110 a year. Left AIG Insurance to switch. I don’t insure for physical damage though.

  3. Bertha Gay

    Just my two cents. Checking in from Las Cruces, NM. Quoted quotes with American Family, Nationwide, and some smaller one I can’t remember the name of for my C70 and saved just over $100 a year. Have an at-fault accident tho. I think I’ll get rid of full coverage next time.

  4. Ayana Burks

    I live in Wilmington, DE. Quoted prices online for a 2002 Volvo C70. Ended up at about $80 savings annually. Went with State Farm. They were helpful in switching over.

  5. Merrie Newton

    Cheap is relative. I’m in Charleston, SC. I don’t recall every quote but I ended up saving about $20 each month. Was with USAA. A clean driving record helps. It’s too old for full coverage.

  6. Patrick Shields

    Anyone like their agent?

  7. Lucinda Bean

    I got quite a few price quotes for a 2002 Volvo C70 in Houston, TX. Ended up at about $110 every six months with Auto-Owners. I dropped full coverage awhile back.

  8. Lesa Boone

    I chose to switch to State Farm from Amica. I live in Spokane, WA. Even increased my liability limits. Full coverage costs too much.

  9. Lavonne Hamilton

    I’m in Salem, Oregon. Quoted with Progressive, Hanover, and Erie for my Volvo and I’m now saving $11 a month. Was with American Family. A clean driving record helps. I recommend comparing lots of rates. I dropped full coverage awhile back.

  10. Sha Montoya

    Checking in from Kailua, Hawaii. Not sure of all the companies but I ended up saving about $20 each month. I have kids on my policy, too. Might find lower rates online. Liability only on my Volvo.

  11. Lenny Ryan

    Do I have to have car insurance in West Virginia?

  12. Larhonda Porter

    I live on the west side of Portland, OR. Quoted a bunch of companies. Saved about $20 a month. 21st Century was the cheapest for me. I have several vehicles insured with them. Online quotes are the way to go. My C70 doesn’t have full coverage.

  13. Art Oliver

    I live on the east side of Manchester, New Hampshire. Got car insurance quotes from Auto-Owners, Sentry, and a few others for my 2002 Volvo C70 and I think I cut my rates about $10 each month. I think they have home insurance too. Full coverage costs too much.

  14. Dorthey King

    Progressive is decent in Worcester, MA.

  15. Berta Compton

    Anyone try to read their policy?