Compare 2009 Volvo C70 Insurance Rates

Looking for cheaper insurance rates? Shoppers have options when shopping for affordable Volvo C70 insurance. They can either waste time calling around trying to get quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance and we’ll show you the proper way to quote coverages for a new or used Volvo and get the best price possible.

You should make it a habit to price shop coverage periodically because insurance rates fluctuate regularly. Even if you think you had the best premium rates for C70 coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn the easiest way to properly buy coverages while reducing your premium.

Compare car insurance rates

Cutting your car insurance rates can be quick and easy. The only thing you need to do is invest a little time comparing rate quotes provided by online insurance companies. Shoppers can get rates in several different ways.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for repetitive form entry for every car insurance company. One form will get you rate comparisons from multiple companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to compare prices consists of going to each individual company website and fill out a new quote form. For instance, let’s assume you need rates from Geico, Progressive and Allstate. You would be required to go to each individual site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using apples-to-apples coverages on every quote. If you are comparing different data it’s impossible to make a fair comparison for your Volvo C70.

Save with with these discounts

Companies don’t always publicize their entire list of discounts very well, so the next list breaks down some of the best known and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online. If you aren’t receiving every discount possible, you could be saving more on your car insurance.

  • Telematics Discount – Policyholders that allow driving data collection to scrutinize driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • More Vehicles More Savings – Drivers who insure all your vehicles on one policy can reduce rates for all insured vehicles.
  • Low Miles Discount – Fewer annual miles on your Volvo could qualify for better car insurancerates on cars that stay parked.
  • Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper since newer vehicles are generally safer.
  • Accident Free – Drivers with accident-free driving histories get the best car insurance rates when compared with drivers who are more careless.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
  • Early Renewal Discounts – A few car insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
  • E-sign Discounts</strong – A handful of insurance companies will give you a small discount just for signing your application on their website.

It’s important to note that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will cut your overall premium however.

A few of the larger companies and a selection of discounts can be found below.

  • Farm Bureau may have discounts that include good student, 55 and retired, multi-policy, safe driver, and multi-vehicle.
  • Liberty Mutual may include discounts for newly married, hybrid vehicle, good student, multi-car, multi-policy, and safety features.
  • State Farm has savings for driver’s education, multiple policy, Steer Clear safe driver discount, student away at school, good student, defensive driving training, and good driver.
  • Auto-Owners Insurance may offer discounts for mature driver, group or association, teen driver, air bags, paid in full, and student away at school.
  • Geico offers premium reductions for five-year accident-free, seat belt use, multi-policy, military active duty, and federal employee.
  • SAFECO offers discounts including teen safety rewards, drive less, teen safe driver, accident prevention training, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in every state. If you would like to see a list of car insurance companies offering car insurance discounts, click this link.

Your situation helps dictate your coverage

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out if you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Does my car insurance cover rental cars?
  • Which companies will insure high-risk drivers?
  • Can I afford to buy a different vehicle if my 2009 Volvo C70 is totaled?
  • When should I remove comp and collision on my 2009 Volvo C70?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why do I only qualify for high-risk insurance?
  • What is UM/UIM insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Insurance specifics

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance covers damage to your C70 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, dental work, doctor visits, surgery and X-ray expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, rock chips in glass, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, structural damage, repair costs for stationary objects, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Comments About 2009 Volvo C70 Insurance

  1. Ola Walker

    Thanks for putting this site together. From west side of Birmingham, AL. I compared lots of rates. Saved darn near $50 a month. GEICO was the most affordable for me.

  2. Emory Glover

    Progressive is decent in Phoenix, AZ.

  3. Rodger Hood

    Great site. Checking in from Portland, ME. Quoted prices from USAA, AAA, Hanover, and Safeco for my 2009 Volvo C70 and I’m now saving $57 a month. I used their online quote form to compare rates.

  4. Britney Battle

    I compared a lot of rate quotes for a 2009 Volvo C70 in Oklahoma City, OK. Ended up at about $400 every six months with American Family. They have free quotes online.

  5. Sal Cantrell

    In Owensboro, KY, State Farm is a good choice. I have several vehicles insured with them. God forbid I actually have a claim.

  6. Terrell Wolfe

    Not sure what I should be paying. I’m in the suburbs of Spokane, WA. I quoted with American Family, Safeco, and Travelers for my C70 and saved just over $530 a year.

  7. Edmond Cain

    Proud to be from Memphis, Tennessee. Checked online prices for a 2009 Volvo C70. Ended up at about $340 savings annually. Went with 21st Century.

  8. Jason Finch

    Cheap is relative. I’m in Lexington, KY. Quoted with 21st Century, Erie, and Hartford for my C70 and I’m now saving $31 a month. Was with MetLife. I quoted rates online then called them.

  9. Tamika Russell

    I’m just west of Bellevue, Nebraska. Compared rates from a lot of places. Saved darn near $70 a month. Allstate was the cheapest option for me.

  10. Petrina Flores

    Lots of useful info here. Live in the southern part of Mobile, AL. I compared lots of rates. Saved darn near $30 a month. GEICO was the cheapest option for me. Ask about discounts.

  11. Fannie Odom

    Is Progressive or State Farm cheaper in Shreveport, LA?

  12. Clayton Jackson

    Got a quote with Nationwide for my 2009 Volvo C70 and saved around $90 a year. Insured with Amica before. Ask about discounts. :)