2007 Volvo XC70 Car Insurance Quotes – 10 Tricks for Cheaper Rates

Trying to find lower insurance rates? Buyers have options when searching for the lowest priced Volvo XC70 insurance. You can either spend your time calling around getting price quotes or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance rates so we’re going to tell you the proper way to compare rates for a new or used Volvo and get the lowest possible price from both online companies and local agents.

It’s important to compare rates before your next renewal since prices change frequently. Just because you found the best price on XC70 insurance six months ago you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to show you the quickest way to remove unneeded coverages and save money.

The purpose of this post is to let you in on how car insurance quotes work. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to learn the most efficient way to get comparison rates online.

Compare free car insurance price quotes

There are a lot of ways to compare car insurance prices but there is one way that is easier and takes less work. You can waste hours talking to local insurance agents in your area, or you could use online quotes to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company then returns a price quote for coverage. This prevents consumers from doing quotation requests to every company.

To compare pricing click here (opens in new window).

The one disadvantage to doing it this way is that you can’t choose which insurance companies to get quotes from. If you wish to select from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

Take whichever approach you prefer, but ensure you are comparing identical information on every quote. If you enter higher or lower deductibles it will be next to impossible to find the best deal for your Volvo XC70.

More discounts mean affordable premiums

The cost of insuring your cars can be expensive, but you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically prior to getting the savings.

  • Own a Home and Save – Just being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Online Discount – Certain larger companies give back up to $50 just for signing your application on their website.
  • Federal Employees – Federal government employees may reduce rates when you quote insurance on XC70 insurance depending on your company.
  • First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as State Farm and GEICO will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Membership in Organizations – Joining qualifying clubs or civic groups could trigger savings when getting a insurance quote.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • New Car Discount – Buying insurance coverage coverage on a new vehicle can save up to 30% because newer vehicles are generally safer.
  • Driving Data Discount – Drivers who elect to allow their insurance coverage company to analyze driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction if their driving habits are good.
  • Passive Restraints – Cars that have air bags can qualify for discounts of more than 20%.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

To find insurers with the best insurance coverage discounts, click this link.

It’s not one size fits all

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation may require specific advice.

  • Do I need an umbrella policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my insurance cover a custom paint job?
  • Am I better off with higher deductibles on my 2007 Volvo XC70?
  • Is my ex-spouse still covered by my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I insure my teen driver?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Auto insurance coverages

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volvo XC70.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like dental work, X-ray expenses, chiropractic care, surgery and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your XC70 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Compare but don’t skimp

Low-cost 2007 Volvo XC70 insurance is available both online and from local agencies, so you need to shop insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer price quotes online and many times these small insurance companies sell through independent insurance agents.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, high prices or delays in responding to claim requests. Regardless of your reason, finding a new company can be less work than you think.

When searching for the cheapest insurance quotes, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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Comments About 2007 Volvo XC70 Insurance

  1. Beatris Franks

    Will State Farm do a SR22 in Eugene, Oregon?

  2. Bridgett Blake

    Good detail in your article. Live in Augusta, GA. Quoted prices online for a 2007 Volvo XC70. Ended up at about $420 savings annually. Went with Progressive. Thankfully I have a good driving record.

  3. Brendan Lott

    I got quite a few price quotes for a 2007 Volvo XC70 in Des Moines, Iowa. Ended up at roughly $530 every six months with AAA. I got prices on the web.

  4. Ruthie Mcmahon

    It’s all a rip off. Proud to be from Sioux Falls, South Dakota. Checked online prices for a 2007 Volvo XC70. Ended up at about $360 savings annually. Went with Progressive. My new agent seems to be really good. Highly recommended.

  5. Ricki Mueller

    Lifelong resident of Lincoln, NE. I quoted with State Farm, Hartford, and Encompass for my 2007 Volvo XC70 and I think I saved around $40 each month.

  6. Tobie Bryant

    Anyone buy from AAA? I’m in Jersey City, New Jersey.

  7. Arlen Conrad

    I got a good deal I think. Quoted with Hanover for my XC70 and am saving around $100 a year.

  8. Sachiko Fletcher

    When should I drop comp and collision?