1998 Volvo V70 Insurance Rates – 7 Discounts for Best Quotes

Buyers have lots of choices when searching for affordable Volvo V70 insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to compare rates for a new or used Volvo and locate the lowest price from both online companies and local agents.

Consumers need to price shop coverage once or twice a year because rates are adjusted regularly by insurance companies. If you had the lowest rates for V70 insurance on your last policy other companies may now be cheaper. There is too much inaccurate information about car insurance online but by reading this article, you’re going to learn some guaranteed methods to find cheap car insurance.

This article will teach you how to get online quotes. If you have car insurance now, you should be able to save some money using these techniques. Drivers just need to know the most effective way to compare price quotes on the web.

Get lower rates on 1998 Volvo V70 insurance

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Some trigger automatically when you complete an application, but a few must be inquired about prior to getting the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for V70 insurance with select insurance companies.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free insurance coverage policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

To see a list of insurance companies with discount insurance coverage rates, click this link.

Cheap Insurance Comparisons

There are several ways to shop for Volvo V70 insurance, but one way is less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Many companies take part in a program where insurance shoppers send in one quote, and each company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for. To find out how much you can save on insurance click here to start a free quote.

One minor caviat to using this type of form is you cannot specify which carriers you want to price. If you prefer to choose individual companies for rate comparison, we have a listing of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage limits for every company. If your comparisons have different limits and deductibles on each one it’s not possible to find the best deal for your Volvo V70.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • If my pet gets injured in an accident are they covered?
  • How do I insure my teen driver?
  • Is my 1998 Volvo V70 covered for flood damage?
  • Can I rent a car in Mexico?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are rental cars covered under my policy?
  • If I drive on a suspended license am I covered?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Car insurance policy coverages for a Volvo V70

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your V70 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability – This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, medical services, court costs and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Quote more. Save more.

Drivers change insurance companies for many reasons like denial of a claim, poor customer service, not issuing a premium refund or policy cancellation. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

We just presented many ways to lower your 1998 Volvo V70 insurance rates. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with some of the lesser-known companies.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

Much more information about car insurance is located at the links below