2002 Volvo C70 Insurance Rates – 9 Tips for Best Quotes

Shoppers have many options when shopping for low-cost Volvo C70 insurance. You can either waste hours driving around getting price quotes or utilize the internet to make rate comparisons.

There is a better way to shop for car insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Volvo and obtain the cheapest rates from local insurance agents and online providers.

It’s smart to shop coverage around at least once a year since rates tend to go up over time. Just because you found the lowest price on C70 insurance last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to find out the proper way to buy cheaper car insurance.

How to Get Auto Insurance Comparison Quotes

Finding lower auto insurance rates is a fairly straight forward process. All that’s required is to invest a little time comparing rate quotes from different insurance companies. This can be accomplished in a couple of different ways.

  1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do boring form submissions to each individual auto insurance company. A single, simple form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  2. Another way to compare rate quotes is to manually visit the website for every company you want to comare and request a quote. For examples sake, let’s say you want to compare rates from Progressive, Liberty Mutual and State Farm. You would have to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverage limits on every quote you get. If you have higher or lower deductibles you can’t possibly truly determine the lowest rate.

Don’t believe everything you hear

Drivers can’t ignore all the ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all seem to make the same claim about savings after switching to them.

How does each company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has great credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who fall outside this ideal profile must pay a more expensive rate and ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much. This is how companies can truthfully make those claims.

This illustrates why drivers should quote coverage with many companies. Because you never know which insurance companies will have the lowest Volvo C70 insurance rates.

Discounts can save BIG

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Most are applied at the time of purchase, but lesser-known reductions have to be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on C70 insurance than drivers with accidents.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates on C70 insurance.
  • Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • No Claims – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will cut your overall premium however.

For a list of providers with discount insurance rates, click here.

Will just any policy work for me?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether your personal situation could use an agent’s help.

  • How high should deductibles be on a 2002 Volvo C70?
  • Is my 2002 Volvo C70 covered for smoke damage?
  • How can I find cheaper teen driver insurance?
  • Should I have combined single limit or split liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I crash into my own garage door?

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, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability insurance

This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, attorney fees, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for surgery, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays for damage to your C70 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2002 Volvo C70.

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 should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

In Summary

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Cheaper 2002 Volvo C70 insurance can be bought both online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

People switch companies for a variety of reasons including high prices, unfair underwriting practices, lack of trust in their agent or policy non-renewal. It doesn’t matter why you want to switch switching companies is less work than it seems.

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