Compare 2002 Volvo S60 Insurance Quotes

Searching for the cheapest car insurance rates for your Volvo S60? Sick and tired of being strong-armed to insure your Volvo every month? You are no different than many other drivers.

Having so many choices of insurance companies, it’s nearly impossible to pick the best provider.

The quickest way to compare insurance rates in your area is to understand most larger insurance companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is give the companies some data such as if you require a SR-22, if you lease or own, how much you drive, and your general credit rating. That rating information is instantly sent to insurance companies and they provide comparison quotes immediately.

To compare rates now, click here and find out if lower rates are available.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some must be requested specifically prior to getting the savings.

  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Homeowners Discount – Owning a house can help you save on car insurance because owning a home demonstrates responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for S60 insurance depending on your company.
  • Save over 55 – Mature drivers may be able to get better car insurance rates for S60 insurance.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your overall premium however.

To see a list of insurers with discount car insurance rates, click here.

There’s no such thing as the perfect policy

When choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford low physical damage deductibles?
  • Do I need an umbrella policy?
  • Am I covered when driving on a suspended license?
  • Is my state a no-fault state?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have combined single limit or split liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Is my dog or cat covered if injured in an accident?
  • What is an SR-22 filing?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, rehabilitation expenses, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, falling objects and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of 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 values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles, legal defense fees, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch and hitting a parking meter. 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 get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volvo S60.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.