2009 Volvo C30 Car Insurance Rates – 8 Tips to Save

Locating lower-cost auto insurance can seem to be overwhelming for consumers who are beginners to quoting and buying insurance on the web. When there are so many companies, how are consumers able to possibly compare every auto insurance company to find the best pricing?

Discount car insurance quotes

Buying car insurance is not cheap, but you may find discounts to reduce the price significantly. Many discounts should be triggered at the time you complete a quote, but some must be asked about before you get the savings. If you are not receiving all the discounts available, you are paying more than you should be.

• No Accidents – Drivers who stay claim-free get the best car insurance rates in comparison to drivers who are more careless.
• Driver Training Discounts – Completing a course teaching safe driver skills may get you a small discount depending on where you live.
• Onboard Data Collection – Drivers who agree to allow companies to monitor driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they are good drivers.
• Mature Driver Discount – Seniors may be able to get a discount up to 10% on C30 coverage.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Multi-line Discount – Car insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
• Military Rewards – Having a deployed family member may lower your rates slightly.
• Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates on C30 coverage than their less cautious counterparts.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts should help lower the premium cost.

Auto insurance companies that may offer quotes with many of the previously listed discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you are trying to find the cheapest insurance coverage quotes, ask every insurance company which discounts can lower your rates. Some discounts listed above may not be available in your area. To find car insurance companies with discount car insurance rates, follow this link.

Compare car insurance price quotes online

When shopping for car insurance there are multiple ways to obtain and compare prices from different companies. The fastest way to find the cheapest 2009 Volvo C30 insurance rates is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

If you don’t have a lot of time, the easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating a different quote for each company you want a rate for. Completing one form gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.

A different way to obtain and compare quotes online consists of going to the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want to view quotes from Liberty Mutual, 21st Century and Progressive. You would have to navigate to each company’s site and repeatedly enter your information, which is why the first method is more popular.

For a list of companies in your area, click here.

The most time-consuming method to do your price quoting is to spend time driving to and from local insurance agencies. Quoting online reduces the need to sit down with an agent unless you want the professional guidance of a licensed agent. It is possible with some companies find lower rates online and have a local agent actually service the policy.

The approach you take is up to you, just make sure you use apples-to-apples coverage limits and deductibles for each price quote. If you are comparing different liability limits it’s not possible to decipher which rate is best. Quoting even small variations in insurance coverages could mean much higher rates. And when comparison shopping, comparing more rates from different companies increases your odds of finding a better price. Some regional insurers cannot provide rate quotes online, so you should also compare prices from them as well.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions might help in determining whether or not you could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Do I pay less for low miles?
• When should I buy a commercial auto policy?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need special endorsements for business use of my vehicle?
• Does my personal policy cover me when driving out-of-state?
• What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverages and their meanings

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages

This provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like X-ray expenses, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo C30.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your C30 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, colliding with a tree, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Shop smart and save

Consumers leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests or policy non-renewal. Whatever your reason, choosing a new company can be less work than you think.

Cheaper insurance coverage can be sourced on the web in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not have price quotes online and these small insurance companies only sell coverage through independent agencies.

In this article, we covered quite a bit of information on how to compare 2009 Volvo C30 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from a smaller regional carrier.

Much more information about insurance coverage is available at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• All About Airbag Safety (State Farm)