Compare 1991 Volvo Coupe Car Insurance Rates

Finding better rates for car insurance can be a challenge for consumers new to shopping for insurance online. Drivers have so many companies to choose from that it can be a big hassle to find lower rates.

You should take the time to price shop coverage on a regular basis because rates fluctuate regularly. Just because you had the lowest price on Coupe coverage on your last policy you may be paying too much now. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to learn the proper way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Nevertheless, drivers must understand how insurance companies market on the web and apply this information to your search.

How to Buy Car Insurance Online

There are a lot of ways to compare car insurance quotes, and some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the web to get prices fast.

Many companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company can give them a price based on the submitted data. This prevents consumers from doing form submissions to every company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which providers to get quotes from. So if you want to choose individual companies to request quotes from, we have a listing of companies who write car insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles with every price quote. If each company quotes differing limits you will not be able to decipher which rate is best. Just a small difference in insurance coverages may result in large price differences. It’s important to know that getting more free quotes will enable you to find better pricing.

Save with discounts on 1991 Volvo Coupe insurance

Companies don’t always publicize every discount very clearly, so we researched both well-publicized as well as the least known discounts you could be receiving.

  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount when shopping for auto insurance on Coupe coverage.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurance companies with the best auto insurance discounts, click here.

Factors that can influence insurance rates for a Volvo Coupe

Consumers need to have an understanding of the rating factors that help determine the price you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower car insurance prices.

The following are a partial list of the pieces used by your company to calculate prices.

  • Liability coverage is cheap – The liability section of your policy is the protection in the event that a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Where you reside plays a part – Choosing to live in a small town has it’s advantages when talking about car insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Careers like judges, social workers and dentists have the highest average rates in part from job stress and lots of time spent at work. Other occupations like scientists, historians and homemakers get better rates on Coupe coverage.
  • Multi-policy discounts can save money – Most companies will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to shop around to make sure you are getting the best deal. You may still be able to find a better deal by insuring with multiple companies.

Tailor your coverage to you

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • What are the financial responsibility laws in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I wreck a rental car?
  • How many claims can I have before being cancelled?
  • I have a DUI can I still get coverage?
  • Does insurance cover damages from a DUI accident?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Drivers who switch save $439 a year? Really?

GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies say the same thing that you’ll save big if you change to their company. But how can every company make almost identical claims?

All companies have a certain “appetite” for the type of driver that makes them money. A good example of a driver they prefer might be between the ages of 40 and 55, is a homeowner, and has a high credit rating. A customer who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet this ideal profile will be quoted a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make those claims. This emphasizes why it’s extremely important to get quotes from several different companies. It’s impossible to know which auto insurance company will fit your personal profile best.

Auto insurance policy coverages for a Volvo Coupe

Knowing the specifics of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, damage from getting keyed, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.


This coverage protects you from injuries or damage you cause to a person or their property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, medical services, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volvo Coupe.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like funeral costs, doctor visits, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Coupe resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Be a penny pincher

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price while still protecting your assets.

You just read some good ideas how to get a better price on 1991 Volvo Coupe insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest premiums are with a smaller regional carrier.

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, policy non-renewal, not issuing a premium refund or even extreme rates for teen drivers. No matter why you want to switch, switching companies is easier than you think.

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