2018 Volvo S60 Cross Country Insurance Quotes – 8 Tips for Best Rates

Trying to find lower car insurance rates? Buyers have options when searching for affordable Volvo S60 Cross Country insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to compare rates on a Volvo and get the lowest possible price.

Do you qualify for discount insurance?

Car insurance can cost a lot, but you might find some hidden discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some must be asked for before they will apply.

• Federal Employees – Active or former government employment could qualify for a slight premium decrease for S60 Cross Country insurance depending on your insurance provider.
• Student in College – who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
• Life Insurance – Larger insurance companies have a lower insurance rate if you buy life insurance from them.
• Membership in Organizations – Being in qualifying employment or professional organizations could earn you a nice discount when getting a auto insurance quote.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education in school.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
• Telematics Devices – Drivers who elect to allow their insurance company to spy on driving patterns by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.

Discounts lower rates, but some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

A list of companies and some of the premium reductions they offer are detailed below.

• Geico may have discounts that include seat belt use, anti-lock brakes, defensive driver, daytime running lights, membership and employees, driver training, and emergency military deployment.
• SAFECO has savings for homeowner, bundle discounts, anti-lock brakes, teen safe driver, safe driver, and teen safety rewards.
• State Farm offers discounts for good driver, multiple policy, Drive Safe & Save, multiple autos, student away at school, good student, and anti-theft.
• MetLife discounts include accident-free, multi-policy, good student, defensive driver, and good driver.
• 21st Century offers premium reductions for driver training, student driver, defensive driver, anti-lock brakes, homeowners, and automatic seat belts.
• Progressive policyholders can earn discounts including multi-vehicle, online signing, continuous coverage, multi-policy, and online quote discount.

Check with every insurance company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state. To see a list of insurance companies that can offer you the previously mentioned discounts, click this link.

What insurance coverages do I need?

When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining if you might need professional guidance.

• Who is covered by my policy?
• Does insurance cover tools stolen from my truck?
• Is upholstery damage covered by car insurance?
• Do I have coverage when pulling a U-Haul trailer?
• Should I carry comprehensive and collision coverage?
• Will filing a claim cost me more?
• Which companies will insure high-risk drivers?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a 2018 Volvo S60 Cross Country

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage and falling objects. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, medical expenses, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance covers damage to your S60 Cross Country caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, surgery, ambulance fees, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Volvo S60 Cross Country.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Saving money makes a lot of cents

Insureds switch companies for many reasons like questionable increases in premium, denial of a claim, unfair underwriting practices and even extreme rates for teen drivers. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

Cheaper 2018 Volvo S60 Cross Country insurance can be found from both online companies and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not offer online rate quotes and most of the time these small insurance companies prefer to sell through local independent agencies.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Helpful articles

• Alcohol Impaired Driving FAQ (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)