View 1998 Volvo C70 Car Insurance Rates

Purchasing affordable insurance coverage on the internet can seem to be challenging for people who are new to price shopping online. With dozens of choices, how can anyone even start to compare every company to locate the cheapest rates?

You need to compare rates at least once a year because insurance rates fluctuate regularly. Even if you got the best price for C70 insurance on your last policy there may be better deals available now. Starting now, block out anything you think you know about insurance coverage because you’re going to learn the tricks you need to know to save on insurance coverage.

If you currently have a car insurance policy, you will be able to save some money using these tips. This information will familiarize you with the best way to quote coverages and some tricks to saving. Although consumers do need to learn the way insurance companies determine prices because it can help you find the best coverage.

Don’t miss out on these money-saving discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but some may not be applied and must be asked about prior to getting the savings.

  • Driver Safety – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for better insurance coverage rates for C70 insurance.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down your premiums.

For a list of insurance companies who offer insurance coverage discounts, click this link.

How to Get Cheap Insurance Coverage

There are a variety of methods you can shop for 1998 Volvo C70 insurance coverage and some are more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get the quickest rates.

Most of the best insurance companies take part in a program that allows shoppers to submit one quote, and at least one company returns a rated price determined by their information. This eliminates the need for form submissions to each company.

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

The single downside to using this type of form is that you can’t choose which insurance companies to receive prices from. So if you prefer to pick individual companies to compare prices, we have a page of companies who write insurance coverage in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same coverages on every quote. If you use higher or lower deductibles it’s impossible to determine the lowest rate for your Volvo C70. Slightly different coverages may result in large price differences. And when quoting insurance coverage, remember that having more price comparisons will enable you to find the best price.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • What are the best liability limits?
  • Do I have coverage if my license is suspended?
  • Why do I need rental car insurance?
  • Am I covered if my car is in a flood?
  • Do I need special endorsements for business use of my vehicle?
  • How do I insure my teen driver?
  • How high should my medical payments coverage be?
  • Am I getting all the discounts available?
  • What is an SR-22 filing?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your C70 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, falling objects and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance can cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, medical expenses and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volvo C70.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Save your hard earned cash

Throughout this article, we presented many ways to lower your 1998 Volvo C70 insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company.

People change insurance companies for many reasons like policy non-renewal, not issuing a premium refund, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Budget-conscious insurance is possible online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Much more information about insurance coverage can be read on the following sites: