Cheap 1996 Volvo 960 Car Insurance Quotes

Searching for better auto insurance rates for your Volvo 960? Locating better insurance prices for a Volvo 960 could be an all-consuming task, but you can follow our auto insurance buying tips to save time.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to get price quotes for your Volvo and obtain the cheapest rates.

It’s smart to get comparison quotes at least once a year due to the fact that insurance rates are usually higher with each renewal. Even if you got the best rates on 960 coverage two years ago there may be better deals available now. Don’t believe everything you read about auto insurance on the web, but we’re going to give you a lot of great tips on how to quit paying high auto insurance rates.

Discounts mean cheaper 1996 Volvo 960 insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • No Charge for an Accident – Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will cut your overall premium however.

To see a list of insurance companies offering car insurance discounts, click here.

How to Compare Auto Insurance Costs

Shopping for lower auto insurance rates can be a daunting task if you don’t understand the easiest way. You could spend the better part of a day driving to agents in your area, or you can utilize the web to get pricing more quickly.

Many companies are enrolled in a marketplace that enables customers to submit their information once, and each company returns a competitive quote for coverage. This saves time by eliminating form submissions to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to using this type of form is you can’t choose the insurers you want pricing from. If you would rather choose specific providers to compare prices, we have a listing of auto insurance companies 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 the exact same coverages and limits for every company. If each company quotes unequal deductibles or liability limits it’s impossible to decipher which rate is best.

Volvo 960 insurance rates are influenced by…

Smart consumers have a good feel for the factors that help determine insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Tickets mean higher rates – Your driving citation history has a huge affect on how much you pay. Just one ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Where you reside plays a part – Residing in small towns and rural areas can be a good thing when it comes to insurance coverage. Fewer drivers means fewer accidents and a lower car theft rate. City drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road can result in more accidents.
  • Pleasure use saves money – Driving more miles in a year’s time the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance coverage coverage is showing the proper vehicle usage, because it can save money. If your policy improperly rates your 960 can cost quite a bit.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can get tricked into buying on your 1996 960 policy. Insurance for rental car reimbursement, accidental death and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Never go without insurance – Driving without insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • I don’t drive much so do I pay less?
  • Is my 1996 Volvo 960 covered for smoke damage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 1996 Volvo 960 to commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage basics

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


This can cover damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means $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. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volvo 960.

Since a lot of 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 important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage 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 protects against claims such as hitting a deer, a broken windshield, theft and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, hospital visits, surgery, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your 960 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

The bottom line

When trying to cut insurance costs, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of tips how to get a better price on 1996 Volvo 960 insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with the smaller companies.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, high prices, not issuing a premium refund or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new car insurance company is pretty simple and you could end up saving a buck or two.

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