Cheaper 2014 Volvo XC60 Car Insurance Quotes

Perplexed by the crazy number of auto insurance company choices? You have a lot of company. You have so many choices that it can turn into more work than you anticipated to find better rates.

It’s a good idea to price shop coverage every six months because insurance rates are constantly changing. Just because you had the lowest price for XC60 coverage a year ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance online, so with this article, you’re going to get some great ideas on how to stop overpaying for insurance.

The best way to compare insurance rates from multiple companies is to know almost all companies allow for online access to compare their rates. To begin a comparison, all you need to do is provide details like whether the vehicles are used for commuting, whether your vehicle is owned or leased, if it has an alarm system, and your general credit rating. The data is sent automatically to insurance carriers in your area and they provide comparison quotes immediately.

To compare rates for a 2014 Volvo XC60 now, click here and complete the quick form.

Don’t pay full price with these discounts

Car insurance companies do not advertise every discount very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance.

Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
Government Employees – Simply working for the federal government can earn a discount up to 10% for XC60 coverage with a few auto insurance companies.
Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Driver Safety – Taking a defensive driving course could cut 5% off your bill depending on where you live.
55 and Retired – Older drivers can possibly qualify for a discount up to 10% for XC60 coverage.
Own a Home – Owning a home can help you save on auto insurance because owning a home shows financial diligence.
Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

To see a list of insurance companies with the best auto insurance discounts, click this link.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

Does my policy pay for OEM or aftermarket parts?
Who is covered when they drive my 2014 Volvo XC60?
Should I carry comprehensive and collision coverage?
When should I buy a commercial auto policy?
Am I covered if I drive in a foreign country?
Why am I required to buy high-risk coverage?
What is PIP insurance?
How can I force my company to pay a claim?
Exactly who is provided coverage by my policy?
When should my teen driver be added to my policy?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

Collision insurance will pay to fix damage to your XC60 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, backing into a parked car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, medical expenses, court costs, repair costs for stationary objects and legal defense fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, falling objects and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, ambulance fees, EMT expenses, dental work and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volvo XC60.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.