2016 Volvo XC70 Insurance Quotes

Searching for the cheapest insurance rates for your Volvo XC70? Sick and tired of not being able to afford to pay your insurance bill each month? Your situation is no different than many other consumers. There is such a variety of car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it makes it harder to adequately compare rates.

The purpose of this post is to tell you the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Drivers just need to understand the most efficient way to find the lowest price online.

How much does insurance cost?

There are a variety of methods to compare insurance quotes, but one way is easier and takes less work. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote based on that information. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to getting quotes like this is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you are using the same quote information for every company. If you use higher or lower deductibles it will be next to impossible to make an equal comparison.

Cut your car insurance rates with discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts to help bring down the price. Certain credits will be shown when you quote, but a few need to be manually applied before being credited.

• Homeowners Discount – Simply owning a home can get you a discount due to the fact that maintaining a home demonstrates responsibility.
• One Accident Forgiven – but companies like Allstate, Progressive, and Geico permit an accident before hitting you with a surcharge as long as you don’t have any claims for a specific time period.
• Low Miles Discount – Low mileage vehicles can earn substantially lower car insurancerates.
• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Early Switch Discount – A few larger companies offer discounts for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Sign Online – A few larger online companies will give a small break get car insurance on the web.
• No Claim Discounts – Good drivers with no accidents get the best car insurance rates as compared to drivers with a long claim history.
• Cautious Driver Discount – Insureds without accidents may receive a discount up to 45% on XC70 coverage than drivers with accident claims.
• Save with More Vehicles Insured – Buying insurance for several vehicles on one policy can get a discount for every vehicle.

You should keep in mind that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies that may have these money-saving discounts include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

When getting free car insurance quotes, it’s a good idea to each company which credits you are entitled to. A few discounts might not be offered in your area.

Learn how to lower your insurance rates

An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.

Shown below are a few of the “ingredients” used by insurance companies to determine your rate level.

• Gaps in coverage mean higher prices – Driving without insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
• Additional coverages that may be costing you – There are a ton of additional coverages that you can get tricked into buying when buying auto insurance. Insurance for coverage for rental cars, accident forgiveness, and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so think about removing them and cutting costs.
• High coverage deductibles lower rates – Your deductibles are how much you are willing to pay before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply would be collision with another vehicle, collision with a deer, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance on XC70 coverage.
• High credit rating translates to low rates – Having a bad credit history is a big factor in your rate calculation. So if your credit history leaves room for improvement, you could potentially save money when insuring your 2016 Volvo XC70 by improving your rating. People with high credit scores tend to be better risks to insure than drivers with bad credit.
• Discounts for multiple policies – Most larger insurers apply discounts for people that purchase more than one policy such as combining an auto and homeowners policy. This can amount to ten percent or more. Even though this discount sounds good, you still need to shop around to guarantee you are still saving the most.There is a chance you can save even more even if you insure with multiple companies
• Big cities mean more claims – Residing in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. Residents of big cities regularly have more road rage incidents and more time behind the wheel. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates.
• Lower stress equals lower premiums – Occupations like military generalsairline pilots and miners generally have higher premium rates in part from job stress and lots of time spent at work. On the flip side, careers such as actors, historians and the unemployed get better rates on XC70 coverage.
• Getting married can lower premiums – Getting married may earn you lower rates on your policy. Having a spouse is viewed as being less irresponsible and statistics show married drivers tend to file fewer claims.

You are unique and your auto insurance should be too

When it comes to buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs will benefit from professional help.

• Does coverage extend to my business vehicle?
• Am I covered if my car is in a flood?
• What is high-risk coverage and where do I buy it?
• Should I bundle my homeowners policy with my auto?
• Is business equipment covered while in my vehicle?
• What is roadside assistance 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. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a Volvo XC70

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2016 Volvo XC70.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Collision coverage protection

This covers damage to your XC70 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, rolling your car, scraping a guard rail, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, loss of income and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Keep this in mind

A few companies may not offer online price quotes and usually these regional insurance providers provide coverage only through independent insurance agencies. Discount 2016 Volvo XC70 insurance is definitely available from both online companies in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis.

We just showed you some good ideas how you can lower your 2016 Volvo XC70 insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost car insurance. Consumers could even find that the lowest rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate or State Farm.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

For more information, take a look at these articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Airbag FAQ (iihs.org)