Lower Your 2015 Volvo V60 Car Insurance Quotes

Trying to find lower car insurance rates for your Volvo V60? Wish you could get out of an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like Progressive, Geico and Farmers Insurance increase brand awareness with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

How to get the cheapest insurance

Finding more affordable insurance prices doesn’t have to be difficult. You just have to take the time to compare rate quotes to discover which company has inexpensive insurance coverage quotes. Comparing prices online can be done by using one of the methods below.

1. The recommended way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quote forms for each company. In just a few minutes this one form compares rates from multiple low-cost companies.
2. A slightly less efficient method to compare rate quotes is going to the website for every company you want to comare and get a separate price quote. For examples sake, we’ll pretend you want to compare rates from Progressive, Safeco and Geico. You would need to go to each individual site and repeatedly type in your coverage information, which can get rather old.

   For a handy list of car insurance company links in your area, click here.

3. The last way to compare price quotes is going to all the different insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the advice and guidance only provided by licensed agents. Drivers can price shop online and get advice from an agent in your area.

How you compare quotes is your choice, just make sure you compare apples-to-apples deductibles and coverage limits for each quote you get. If you compare higher or lower deductibles it will be impossible to truly determine the lowest rate.

Do you qualify for discount auto insurance?

Auto insurance can be pricey, but you can get discounts to help offset the cost. Many of these discounts will be applied automatically when you purchase, but occassionally some discounts must be inquired about in order for you to get them.

• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Waiver for an Accident – This one is not really a discount per se, but companies like Progressive, Allstate, and Geico will allow you to have one accident without getting socked with a rate hike so long as you are claim-free for a set time period.
• Employee of Federal Government – Active or retired federal employment may reduce rates when you quote insurance coverage on V60 insurance with certain companies.
• No Claim Discounts – Insureds with no claims or accidents pay less when compared with insureds who have frequent claims or accidents.
• ABS Braking Discount – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• Senior Discount – Older drivers may qualify for lower premium rates on V60 insurance.
• Drive Less and Save – Driving fewer miles may allow you to get discounted prices on garaged vehicles.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.

Some of the insurance companies that may include these benefits are:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some discounts listed above may not apply in your area. To choose insurance companies that offer some of these discounts, click here to view.

What insurance coverages do I need?

When buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover if your situation might need an agent’s assistance.

• What if I total my 2015 Volvo V60 and owe more than it’s worth?
• Should I get collision insurance on every vehicle?
• Are split liability limits better than a combined single limit?
• Am I covered when using my vehicle for business?
• Why am I required to buy liability insurance?
• Am I covered when driving a rental car?
• Can I get a multi-policy discount?
• Can I drive in Mexico and have coverage?
• Am I covered if my car is in a flood?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Liability – This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like legal defense fees, bail bonds and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, funeral costs, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from flooding, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your V60 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, 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.