Searching for better insurance rates for your Volvo C70? Expensive insurance can sap your funds and put the squeeze on your family’s finances. Doing a price comparison is recommended to cut your insurance bill.
Online insurance companies like Allstate and Progressive promote their brand names with fancy advertisements and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
Many things are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are less obvious like where you live or how financially stable you are.
When shopping for affordable car insurance quotes, there are a couple of ways of comparing price quotes from all the different companies. The recommended way to find affordable 2010 Volvo C70 insurance rates is simply to get online rate quotes. This can be accomplished in several different ways.
For a list of companies in your area, click here.
You can use whichever method you prefer to find lower rates, just be sure to compare equivalent quote information on every quote. If you compare different coverage information it’s impossible to truly determine the lowest rate. Quoting even small variations in insurance coverages can make a big difference in price. Keep in mind that quoting more helps you find more affordable insurance. Not every company allows you to get price estimates online, so you need to compare price estimates from them as well.
Some companies do not list every possible discount in an easy-to-find place, so the next list breaks down some of the more common and the more hidden credits available to you.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.
If you would like to choose from a list of insurance coverage companies who offer insurance coverage discounts, follow this link.
When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, a broken windshield, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your 2010 Volvo C70.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision coverage – This coverage covers damage to your C70 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like damaging your car on a curb, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Liability coverages – Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability insurance covers things like court costs, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like surgery, nursing services and pain medications. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
When getting car insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage only to regret that they should have had better coverage. Your goal is to buy enough coverage at a price you can afford and still be able to protect your assets.
Some insurance companies may not have the ability to get quotes online and usually these smaller companies only sell coverage through local independent agents. Cost effective 2010 Volvo C70 insurance can be sourced on the web and with local insurance agents, and you should compare rates from both so you have a total pricing picture.
We covered a lot of techniques to save on 2010 Volvo C70 insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the most savings is with some of the smallest insurance companies. These companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.
Additional information can be read at the links below
If you have a clean record and live in the vicinity of New York City, NY, check out State Farm. They seem to be cheaper. I used their online quote form to compare rates.
Mine is so expensive. I live on the south side of Cranston, RI. Got quotes from Hanover, American Family, Sentry, and a couple others for my Volvo and I’m now saving $38 a month. Teenage drivers are expensive! They offer free online rate quotes.
I think State Farm has low rates in Colorado. For me anyway.
If you don’t have tickets and live in the vicinity of Green Bay, WI, check out Allstate. They seem to be cheaper. Left Eastwood to switch. Teenage drivers are expensive! Online quotes are the way to go.
Nice info. I’m in Rochester, NY. Got free quotes online for a 2010 Volvo C70. Ended up at about $420 savings annually. Went with State Farm. They were helpful in switching over.
Proud to be from West Valley City, Utah. Got prices from Allstate, American Family, and some I forget for my C70 and I think I saved around $40 each month. Thankfully I’m not a high risk driver. You can get a rate quote online.
I’ve bought from Progressive forever. Cheapest rates in Henderson, Nevada.
I compared a lot of rate quotes for a 2010 Volvo C70 in Nashua, New Hampshire. Ended up at roughly $380 every six months with AAA. Good multi-policy discounts.
Just my two cents. I’m from Louisville, KY. I got free quotes with Safeco, Eastwood, 21st Century, and American Family for my C70 and saved $372 a year.
Cheap is not always the best policy. Lifelong resident of Pittsburgh, PA. Got car insurance quotes with State Farm, Auto-Owners, and some I forget for my C70 and saved $151 a year. Left AIG Insurance to switch. A clean driving record helps. You can get a rate quote online.
Proud to be from Augusta, GA. Quoted with State Farm, Auto-Owners, and some I forget for my 2010 Volvo C70 and I think I saved around $60 each month. Even increased my liability limits. I quoted rates online then called them.
I live in Gaithersburg, MD. Received prices from 21st Century, Erie, and Hanover for my Volvo and I’m now saving $36 a month. Switched homeowners coverage too. Just go online and compare their rates.
From a town just southwest of Saint Louis, MO. Quoted a bunch of companies. Saved right around $30 a month. GEICO was the most affordable for me. Moved home policy as well. You can get a rate quote online.
Just my two cents. I live just outside Parkersburg, West Virginia. Got quotes with State Farm, GMAC, and Encompass for my Volvo and am saving around $200 a year. Insured with Western Auto Insurance before.
Allstate is decent in Nampa, ID.
Will 21st Century cancel me if I have an accident?
$100 to anyone who understands their policy.
I can’t pay high rates. Quoted with GEICO for my C70 and am saving around $570 a year.
I’m in the south part of Rockford, IL. I got free rates from Western Auto Insurance, AAA, GMAC, and Mercury for my 2010 Volvo C70 and I’m now saving $48 a month. Hardly afford to drive anymore.
I live on the east side of Knoxville, TN. Received rates from Allstate, The General, and Eastwood for my Volvo and saved just over $200 a year.
Cheap is not always the best policy. Went with Eastwood for my 2010 Volvo C70 and am saving around $410 a year. Did it all online.