Cheap 2011 Volvo C70 Insurance Rates

Looking for lower auto insurance rates? Shoppers have many options when shopping for low-cost Volvo C70 insurance. They can either waste time calling around to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Volvo and obtain the best price possible from both online companies and local agents.

It’s a great practice to get comparison quotes occasionally because auto insurance rates change regularly. Just because you found the lowest rate on C70 coverage last year you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to find great coverage at a great price.

Take advantage of these discounts

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Some of these disounts will be visible when you get a quote, but less common discounts must be specially asked for in order for you to get them.

  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Discount for Swiching Early – Some companies provide a discount for switching to them before your current coverage expires. The savings is around 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you will save approximately 10% to 15%.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance on C70 coverage depending on your company.
  • No Claims – Good drivers with no accidents pay less when compared to drivers who are more careless.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like medical payments or collision. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.

Larger insurance coverage companies and the discounts they provide include:

  • Esurance includes discounts for homeowner, multi-car, renters, good driver, and emergency road assistance.
  • The Hartford has discounts for good student, anti-theft, vehicle fuel type, bundle, air bag, and driver training.
  • AAA offers premium reductions for pay-in-full, good student, anti-theft, good driver, education and occupation, multi-policy, and multi-car.
  • GEICO may offer discounts for daytime running lights, seat belt use, defensive driver, air bags, and multi-vehicle.
  • State Farm discounts include anti-theft, driver’s education, passive restraint, Drive Safe & Save, and student away at school.

When getting free car insurance quotes, it’s a good idea to every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area.

The quickest method we recommend to get policy rate comparisons is to understand auto insurance companies pay for the opportunity to give free rates quotes. The one thing you need to do is spend a couple of minutes providing details including whether you drive to work or school, daily mileage, the ages of drivers, and your education level. Those rating factors is automatically sent to all major companies and they respond with quotes almost instantly.

Special considerations

When buying the right insurance coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions might point out if you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • If my pet gets injured in an accident are they covered?
  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to Mexico or Canada?
  • Will filing a claim cost me more?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, medical services, bail bonds and funeral expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, hitting a bird, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2011 Volvo C70.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like doctor visits, pain medications, dental work and nursing services. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

In conclusion

We covered some good ideas how you can compare 2011 Volvo C70 insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest premium rates come from some of the smallest insurance companies.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford.

Budget-friendly car insurance is available from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and many times these regional carriers provide coverage only through local independent agents.

For more information, take a look at the resources below:

Comments About 2011 Volvo C70 Insurance

  1. Jamaal Dillon

    If you have a good history and live in the vicinity of Jersey City, New Jersey, check out GEICO. You might save some money. Switched homeowners coverage too.

  2. Josephine Ayers

    Lots of good stuff here. I live west of Portland, OR. Received prices from Sentry, Farmers, 21st Century, and Auto-Owners for my C70 and I think I am saving around $50 each month.

  3. Dee Salazar

    Does Virginia require a SR-22 after a DUI?

  4. Tonie Wilcox

    Like your site, BTW. I live in a small town just outside of Greensboro, North Carolina. I quoted with Progressive, Auto-Owners, and Encompass for my 2011 Volvo C70 and am saving around $540 a year. Insured with American Family before. Got better coverage too.

  5. Shanika Ward

    I got decent rates for a 2011 Volvo C70 in Baltimore, Maryland. Ended up at darn near $220 every six months with Amica. Insured with Safeco before. I have a teen driver too. I used their online quote form to compare rates.

  6. Nina Martin

    Is State Farm cheaper than American Family in Rapid City, SD?

  7. Young Fisher

    If you’re a decent driver and live in the vicinity of Atlanta, Georgia, check out 21st Century. You might get cheaper rates. I get multi-vehicle and multi-policy discounts. It was easy to get rates.

  8. Marion Washington

    Corporate greed I’m telling you. I live just to the north of Aurora, IL. Checked online prices for a 2011 Volvo C70. Ended up at about $290 savings annually. Went with GEICO. Left Sentry to switch.

  9. Tomasa Henson

    Anyone find cheap rates around Provo, Utah?

  10. Dung Vasquez

    Does Progressive do SR22s in Tennessee?

  11. Lorene Bond

    Are Allstate or Allstate rates cheaper in California?

  12. Dara Vincent

    I live in Nashville, TN. Got free quotes online for a 2011 Volvo C70. Ended up at about $540 savings annually. Went with Progressive. LOL

  13. Liza Lamb

    21st Century is cheapest in Missouri! :)

  14. Elnora Solis

    Got a quote with Liberty Mutual for my 2011 Volvo C70 and cut my rates about $290 a year.