2010 Volvo C70 Car Insurance Quotes
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.
Volvo C70 insurance premium factors
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.
- Too many auto insurance claims will drive prices up – If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance companies generally give discounts to people who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Men tend to take more risk – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are better drivers. Men and women cause accidents at a similar rate, but the males get into accidents with more damage. Men also get more serious tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
- Safer vehicles are cheaper to insure – Cars with high safety ratings can get you lower premiums. Highly rated vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates.
- Liability coverage – A critical coverage on your policy, liability insurance will afford coverage if ever you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
- Auto insurance policy lapses increase rates – Having a gap between insurance policy dates is a fast way to pay more for auto insurance. In addition to paying higher rates, getting caught without coverage can result in fines or a revoked license.
- How old are your drivers? – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.Young drivers are proven to be inattentive with other occupants in the car therefore auto insurance rates are much higher.
- Pleasure use saves money – The more miles you rack up on your Volvo in a year’s time the more you will pay for auto insurance. A lot of insurance companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your policy shows the right rating data. Having the wrong rating on your C70 is throwing money out the window.
- Extra coverages you don’t use – Insurance policies have a lot of extra coverages that may not really be needed if you aren’t careful. Coverages like replacement cost coverage, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but your needs may have changed so eliminate them to save money.
How to get affordable insurance coverage
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.
- The most recommended method to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for separate quotes for each price estimate. Just one form compares rates from multiple companies.
- Another way to compare rate quotes is spending the time to visit the website of each company and repeat the quote process again and again. For example, we’ll pretend you want to compare prices for Nationwide, Progressive and Travelers. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, which can be really labor intensive.
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.
Affordable insurance coverage rates with discounts
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.
- Organization Discounts – Joining qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Life Insurance Discount – Larger insurance companies have a discount if you purchase life insurance.
- Multiple Vehicles – Buying insurance for multiple cars on a single policy could earn a price break for each car.
- E-sign Discounts</strong – Some of the larger companies may give you up to $50 for buying your policy on your computer.
- Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
- Driver Safety – Taking a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
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.
Tailor your insurance coverage to you
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.
- What is no-fault insurance?
- Am I covered if I drive in a foreign country?
- How do I file an SR-22 for a DUI in my state?
- Why am I required to get a high-risk car insurance policy?
- If my 2010 Volvo C70 is totaled, can I afford another vehicle?
- Are my friends covered when driving my car?
- Am I covered when driving on a suspended license?
- Should I file a claim if it’s only slightly more than my deductible?
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
Insurance coverage specifics
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
Never pay more for less
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
- Safety Features for Your New Car (State Farm)
- Teen Driver Statistics (Insurance Information Insitute)
- Understanding Limits and Deductibles (Allstate)
- Alcohol Impaired Driving FAQ (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
Jamika Parker
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.
Layla Gallagher
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.
Magaly Rodriquez
I think State Farm has low rates in Colorado. For me anyway.
Vikki Whitney
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.
Virgina Mcclain
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.
Toya Luna
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.
Marshall Benton
I’ve bought from Progressive forever. Cheapest rates in Henderson, Nevada.
Alexander Sutton
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.
Ruthe Chase
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.
Natashia Chavez
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.
Clelia Gillespie
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.
Darleen Allison
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.
Debbie Hale
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.
Ji Foster
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.
Adelaide Dean
Allstate is decent in Nampa, ID.
Shaunta Mayo
Will 21st Century cancel me if I have an accident?
Mayme Garcia
$100 to anyone who understands their policy.
Kena Clarke
I can’t pay high rates. Quoted with GEICO for my C70 and am saving around $570 a year.
Colton Johnston
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.
Hilaria Jimenez
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.
Lacresha Davenport
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.