2015 Volvo XC70 Insurance Quotes – 9 Savings Tips

Have you fallen victim to an overpriced auto insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Big-name insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

Consumers need to do rate comparisons every six months because insurance rates are usually higher with each renewal. Just because you found the best rates for XC70 insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest way to find great coverage at a great price.

The quickest method to compare rates is to realize almost all companies have advanced systems to provide you with free rate quotes. All you need to do is give them rating details like whether the vehicles are used for commuting, if a SR-22 is required, if you lease or own, and whether you are married. Those rating factors is then sent to insurance companies and you get price estimates almost instantly.

To start a quote now, click here then complete the form.

Save $493 a year? Really?

Consumers can’t get away from ads for car insurance savings by State Farm, Geico and Progressive. They all make an identical promise that you’ll save big after switching to their company.

How do they all make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer could be over the age of 40, a clean driving record, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who fall outside this ideal profile must pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That is how companies can state the savings. This illustrates why drivers should get a wide range of price quotes. Because you never know which insurance companies will have the lowest Volvo XC70 insurance rates.

Do you qualify for these nine discounts?

Companies don’t necessarily list every available discount very well, so the following is a list of both well-publicized as well as the least known ways to save on insurance. If you don’t get every credit possible, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for XC70 insurance than less cautious drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance policy could earn a price break for each car.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up online.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Military Rewards – Having a deployed family member could mean lower rates.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

For a list of providers with the best insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will my rates increase for filing one claim?
  • Will filing a claim cost me more?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I required to buy high-risk coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Auto insurance policy coverages for a 2015 Volvo XC70

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, hitting a bird, hitting a deer and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for 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 a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees, emergency aid and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for surgery, rehabilitation expenses, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2015 Volvo XC70.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Have money to burn

You just learned a lot of tips how to lower your 2015 Volvo XC70 insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from the least-expected company. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

When you buy insurance online, never reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Lower-priced insurance is definitely available on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

More tips and info about insurance coverage is located in the articles below: