2013 Volvo XC60 Insurance Quotes – 7 Policy Discounts

Tired of robbing Peter to pay Paul to pay your insurance coverage bill each month? You’re in the same situation as many other drivers. Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive lowest rate

If you are insured now or are shopping for new coverage, you can use these techniques to get lower rates and still get good coverage. Finding the best rates is quite easy. Consumers just need to learn the proper methods to compare company rates over the internet.

Cheapest insurance coverage quotes

Effectively comparing insurance coverage prices can take hours if you don’t know the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies enroll in a system where prospective buyers send in one quote, and at least one company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions to each company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to getting quotes like this is you can’t choose which companies you want pricing from. So if you prefer to choose individual companies for rate comparison, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just try to keep the same deductibles and coverage limits with every price quote. If the quotes have different coverage information it will be nearly impossible to make a fair rate comparison.

Don’t overlook these seven insurance discounts

Companies don’t always list every available discount very clearly, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

• Waiver for an Accident – Not a discount per se, but a few companies such as Progressive, State Farm and Geico allow you one accident before raising your premiums so long as you are claim-free for a certain period of time.
• Senior Discount – Drivers over the age of 55 can get lower premium rates on XC60 coverage.
• Sign Online – A handful of larger companies will give you a small discount for signing up digitally online.
• Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for newer models.
• Accident Free – Claim-free drivers can earn big discounts as compared to frequent claim filers.
• Telematics Data Discounts – People who choose to allow companies to analyze vehicle usage by using a telematics device such as State Farm’s In-Drive might get better premium rates if they are good drivers.
• Discount for Swiching Early – Some larger companies provide a discount for switching policies prior to your current policy expiration. This discount can save up to 10%.

It’s important to note that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount should definitely cut your overall bill.

A few of the larger companies and the discounts they provide can be found below.

• Farm Bureau may have discounts that include multi-policy, multi-vehicle, safe driver, 55 and retired, youthful driver, and good student.
• Liberty Mutual has discounts for newly retired, new move discount, preferred payment discount, safety features, new vehicle discount, good student, and multi-policy.
• State Farm offers discounts including student away at school, good driver, good student, passive restraint, and multiple policy.
• Auto-Owners Insurance includes discounts for anti-lock brakes, paperless, good student, air bags, safe vehicle, and multi-policy.
• Geico offers premium reductions for defensive driver, multi-policy, seat belt use, daytime running lights, driver training, and emergency military deployment.
• SAFECO may include discounts for multi-car, bundle discounts, homeowner, anti-lock brakes, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to every insurance company which discounts can lower your rates. Some discounts listed above may not apply to policies everywhere. To locate providers that can offer you the previously mentioned discounts, click this link.

When to get professional advice

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you may require specific advice.

• Do I need an umbrella policy?
• Is upholstery damage covered by car insurance?
• Does my policy cover me when driving someone else’s vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I be non-renewed for getting a DUI or other conviction?
• Is borrowed equipment or tools covered if stolen or damaged?
• How does medical payments coverage work?
• What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volvo XC60.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for liability – This will cover damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, legal defense fees, court costs and loss of income. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive auto insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from getting keyed, rock chips in glass, hitting a deer and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, ambulance fees, EMT expenses, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, hitting a parking meter, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Money doesn’t grow on trees

You just learned many ways to compare 2013 Volvo XC60 insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive and Geico.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Cost effective 2013 Volvo XC60 insurance can be found from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies do not offer the ability to get quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

Additional articles

• Safe Vehicles for Teens (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• All About Airbag Safety (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Winter Driving (Insurance Information Insitute)