View 2008 Volvo S60 Car Insurance Rates

Looking for cheaper insurance coverage rates for your Volvo S60? Nobody I know likes paying for insurance coverage, particularly when the price is too high.

Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurers to get the lowest rate possible.

The easiest way to compare policy rates is to take advantage of the fact almost all companies provide online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data like if a SR-22 is needed, daily mileage, how you use your vehicles, and an estimate of your credit level. Your information gets transmitted to multiple companies and they return cost estimate instantly to find the best rate.

To compare rates now, click here and enter your zip code.

Save with discounts on 2008 Volvo S60 insurance

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you quote, but less common discounts must be asked about prior to receiving the credit.

• One Accident Forgiven – Certain companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
• Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
• Multiple Policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
• 55 and Retired – If you qualify as a senior citizen, you may receive better car insurance rates on S60 coverage.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies who offer car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

• Should I bundle my homeowners policy with my auto?
• When should I not file a claim?
• When can my company non-renew my policy?
• Can my teen driver be rated on a liability-only vehicle?
• What is covered by UM/UIM coverage?
• Should I drop comprehensive coverage on older vehicles?
• Should I buy full coverage?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverage – Comprehensive insurance coverage pays for 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 coverage protects against claims like a broken windshield, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages – This can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical services, emergency aid, structural damage and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volvo S60.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses such as dental work, prosthetic devices and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible