2010 Volvo C30 Insurance Quotes – 6 Discounts for Cheaper Rates

Confused by the dozens of insurance companies in your area? Many other drivers are as well. You have such a vast assortment of companies available that it is a ton of work to find the perfect company for you.

Which auto insurance is cheapest?

Comparing auto insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company can provide price quotes based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of system is that you can’t choose the providers to get quotes from. If you prefer to choose from a list of companies to compare rates, we put together a list of auto insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you are using the exact same quote data on every quote. If you use different deductibles it will be very difficult to determine the best price for your Volvo C30. Quoting even small variations in limits may result in a large different in cost. And when price shopping your coverage, comparing more quotes helps increase your odds of locating the best rates.

These six discounts can lower your car insurance rates

Some insurance providers don’t list all possible discounts in a way that’s easy to find, so the next list breaks down some of the best known as well as the least known credits that may apply to you.

• First Accident Forgiveness – Not necessarily a discount, but companies like Allstate, Progressive, and Geico allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Active Military Service – Having an actively deployed family member could mean lower rates.
• Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.
• Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote car insurance for C30 coverage with a few car insurance companies.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
• Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles with one company can reduce the rates for all insured vehicles.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky.

Large car insurance companies and their offered discounts include:

• Travelers offers discounts for multi-car, home ownership, payment discounts, save driver, early quote, and IntelliDrive.
• 21st Century has discounts for air bags, defensive driver, anti-lock brakes, teen driver, and homeowners.
• State Farm includes discounts for Steer Clear safe driver discount, defensive driving training, good driver, good student, safe vehicle, multiple policy, and passive restraint.
• Geico offers premium reductions for multi-policy, good student, seat belt use, military active duty, multi-vehicle, and federal employee.
• SAFECO may include discounts for teen safety rewards, multi-car, anti-lock brakes, bundle discounts, drive less, and anti-theft.
• AAA has savings for multi-car, good student, multi-policy, AAA membership discount, and pay-in-full.

When getting a coverage quote, ask each insurance company how many discounts you can get. Some credits might not be offered on policies in every state. If you would like to see a list of insurance companies with significant discounts, follow this link.

Different people need different insurance coverages

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Am I covered if I drive in a foreign country?
• Do I have coverage when pulling a U-Haul trailer?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered when driving a rental car?
• How high should deductibles be on a 2010 Volvo C30?
• Should I buy additional glass protection?
• Which is better, split liability limits or combined limits?
• Does car insurance cover theft of personal property?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Save $474 a year. For real?

Big name companies like State Farm and Allstate endlessly run television and radio advertisements. All the ads make an identical promise that you can save just by moving your policy. How do they all sell you cheaper insurance coverage?

Different companies have strict underwriting profiles for the type of driver that earns them a profit. For example, this type of driver could possibly be over the age of 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits those characteristics receive the lowest rate quotes and most likely will pay quite a bit less when switching companies.

Drivers who do not match those criteria will be quoted a higher rate which translates to the customer buying from a different company. The trick is to say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently make those statements. This really drives home the point why you really should do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will fit your personal profile best.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, funeral costs, surgery, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2010 Volvo C30.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, falling objects and fire damage. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, rolling your car, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Liability coverage has three limits: 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 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, medical services, attorney fees and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Compare but don’t skimp

Discount 2010 Volvo C30 insurance can be purchased on the web as well as from insurance agents, so you need to quote car insurance with both so you have a total pricing picture. A few companies may not offer the ability to get quotes online and usually these regional insurance providers only sell coverage through independent agents.

We just covered quite a bit of information on how to compare 2010 Volvo C30 insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Additional information

• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)