2006 Volvo XC70 Insurance Quotes

Want the cheapest auto insurance rates for your Volvo XC70? Do you get exhausted from scraping the payment together to buy auto insurance? You’re in the same situation as many other consumers.

Big-name insurance companies like Allstate and Progressive continually bombard you with fancy advertisements and it is difficult to see through the deception and effectively compare rates to find the best deal.

It’s a good idea to do rate comparisons quite often since rates tend to go up over time. Even if you think you had the lowest premium rates on XC70 insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because we’re going to show you how to use online quotes to save on auto insurance.

If you currently have car insurance, you will be able to save some money using these techniques. Finding the best rates is quite easy. Although drivers do need to learn how insurance companies determine prices and apply this information to your search.

Learn how to lower your insurance costs

Many things are used in the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but some are more transparent like your vehicle usage or your vehicle rating.A large part of saving on auto insurance is knowing a few of the rating criteria that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to big savings.

The items below are some of the things auto insurance companies consider when setting your premiums.

• The higher your credit rating the lower your rates – A driver’s credit rating is a large factor in your rate calculation. People with excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. If your credit rating could use some work, you could potentially save money when insuring your 2006 Volvo XC70 by taking the time to improve your credit score.
• Protect yourself with liability insurance – The liability section of your policy is the protection if you are responsible for causing damage or personal injury in an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• Long commutes cost more – Driving a lot of miles in a year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting receive better premium rates than cars that get driven a lot. Double check that your policy states the correct usage, because improper ratings can cost you money. An incorrectly rated XC70 may be wasting your money.
• Can a thief steal your car? – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft.
• How’s your driving record? – Attentive drivers get better rates than their less careful counterparts. Having just one speeding ticket or other violation can bump up the cost forty percent or more. People who have serious tickets like DUI or willful reckless driving may be required to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
• Does auto insurance cost less for gals? – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that females are better drivers. Males and females get in at-fault accidents in similar percentages, but the males have costlier accidents. Not only that, but men also receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 cause the most accidents so it costs more to insure them.

Buy insurance coverage online

When looking for the cheapest insurance quotes, there are a couple ways to obtain and compare prices from all the different companies. The fastest way to find the lowest 2006 Volvo XC70 rates consists of obtaining rate quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

1. The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do repetitive form entry to each individual insurance coverage company. Taking the time to complete one form gets insurance cost estimates instantly.
2. A less efficient way to obtain and compare quotes online is to take the time to go to the website for each individual company to complete a price quote. For instance, let’s assume you are doing a rate comparison from Auto-Owners, Farmers and State Farm. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just double check that you are using equivalent quote data for every company. If the quotes have different data it will be impossible to make a fair rate comparison. Slightly different coverages may result in a large different in cost. And when quoting insurance coverage, remember that making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now. Some companies don’t provide online rate quotes, so it’s important to compare prices from them, too.

Buyer beware of car insurance advertising tricks

Companies like Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the companies try to convey promises about savings if you get a free insurance quote and switch your policy. How is it plausible that every one can charge less that you’re paying now? It’s all in how they say it.

Insurance providers have underwriting criteria for the type of driver that will be a good risk. For example, a preferred risk might be a female over age 40, carries high limits, and drives less than 5,000 miles a year. A driver who meets those qualifications will get low rates as well as save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements must pay more expensive rates which results in business not being written. If you listen closely, the ads state “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can state the savings.

That is why you absolutely need to compare free insurance quotes often. It’s just not possible to know which company will provide the lowest rates.

Find hidden discounts to get affordable car insurance quotes

Insurance can cost an arm and a leg, but you may find discounts that can help lower your rates. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for prior to receiving the credit.

• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
• Own a Home – Owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
• Professional Organizations – Being a member of qualifying clubs or civic groups can get you a small discount when shopping for car insurance.
• One Accident Forgiven – Not a discount per se, but certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Telematics Data – Drivers who agree to allow companies to look at vehicle usage by using a telematics device such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
• Discounts for New Vehicles – Buying coverage on a new vehicle can save you some money compared to insuring an older model.
• Paperwork-free – Certain larger companies will provide an incentive for completing your application digitally online.
• Theft Deterent System – Cars and trucks with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

Larger car insurance companies and some of the premium reductions they offer are detailed below.

• Geico may have discounts that include defensive driver, anti-lock brakes, daytime running lights, military active duty, federal employee, and membership and employees.
• MetLife offers discounts including defensive driver, good student, good driver, accident-free, and claim-free.
• State Farm has discounts for safe vehicle, Steer Clear safe driver discount, passive restraint, student away at school, defensive driving training, and multiple autos.
• Progressive has savings for good student, online quote discount, online signing, multi-vehicle, and homeowner.
• Mercury Insurance offers discounts for anti-theft, multi-car, age of vehicle, good driver, location of vehicle, and low natural disaster claims.
• 21st Century discounts include defensive driver, early bird, teen driver, air bags, automatic seat belts, and theft prevention.
• Allstate may include discounts for EZ pay plan discount, new car, good student, farm vehicle, and passive restraint.

If you need cheaper insurance quotes, ask each company to apply every possible discount. A few discounts may not apply to policyholders in your area.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

• Why is insurance for a teen driver so high?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is rental equipment covered for theft or damage?
• Do I need replacement cost coverage?
• Are my friends covered when driving my car?
• Am I covered when driving on a suspended license?
• What is an SR-22 filing?

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

Learn about car insurance coverages for a Volvo XC70

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, theft and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like prosthetic devices, X-ray expenses, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like court costs, bail bonds, attorney fees, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverage – This coverage will pay to fix damage to your XC70 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (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. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

One last thing about your coverage

You just learned some good ideas how to shop for 2006 Volvo XC70 insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest rates are with a small mutual company. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Allstate or State Farm.

When getting insurance quotes online, you should never reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and learned later that it was a big mistake. Your objective should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Additional detailed information is available by following these links:

• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)