Compare 2009 Volvo C70 Insurance Rates

I can’t think of anyone who looks forward to paying for car insurance, in particular when the cost is way too high.

Drivers have so many insurers to choose from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare rates.

Low Cost Car Insurance

There are several ways to compare Volvo C70 car insurance quotes, and some are less labor-intensive and much quicker. You could waste a few hours driving to insurance companies in your area, or you can utilize the web to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company can provide price quotes. This saves time by eliminating quotation requests for each company.

To compare 2009 Volvo C70 rates using this form now click here (opens in new window).

The single downside to using this type of system is that you can’t choose which providers you will receive quotes from. So if you prefer to choose individual companies to compare rates, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, double check that you are using apples-to-apples coverages and limits with each company. If you compare different liability limits it will be very difficult to make a fair comparison for your Volvo C70. Just a small difference in coverage limits could mean much higher rates. Just remember that quoting more gives you a better chance of getting the best rates.

Take discounts and save

Auto insurance companies don’t always advertise every available discount very clearly, so we researched both the well known as well as the least known ways to save on insurance coverage.

  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums on C70 coverage.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on C70 coverage with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down on your Volvo can qualify you for discounted rates on garaged vehicles.
  • New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Insuring all your vehicles with the same company could earn a price break for each car.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on C70 coverage than their less cautious counterparts.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

A partial list of companies that may offer these discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts may not apply in your area.

Volvo C70 premiums are determined by many factors

It’s important that you understand some of the elements that play a part in calculating your insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in better insurance rates.

Shown below are a partial list of the pieces insurance companies consider when setting premiums.

  • Rates may be lower depending on your job – Occupations like real estate brokers, business owners and stock brokers tend to have the highest rates in part from job stress and lots of time spent at work. On the other hand, occupations like actors, students and retirees receive lower rates on C70 coverage.
  • Older drivers pay less – Older drivers are more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers tend to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
  • Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying on your C70 policy. Coverages like rental car reimbursement, accidental death and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Keep rates low by being claim-free – Car insurance companies generally give discounts to drivers who file claims infrequently. If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Do men or women drive better? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Volvo is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Traffic citations inflate rates – Your driving citation history impacts your car insurance rates tremendously. Good drivers receive lower rates than people who have multiple driving citations. Even one speeding ticket can increase rates by twenty percent. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Consolidate policies to earn discounts – Some insurance companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • What should my uninsured motorist coverage limits be in my state?
  • What vehicles should carry emergency assistance coverage?
  • How does medical payments coverage work?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when pulling a rental trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” 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 carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability car insurance – This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, hospital visits and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage covers damage to your C70 resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, rolling your car, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Shop Smart and Save

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured dropped full coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheap 2009 Volvo C70 insurance can be found on the web and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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