2009 Volvo V70 Car Insurance Rates – 6 Tips to Save

Are you overwhelmed by the wide range of insurance coverage company choices? You’re not alone. Drivers have so many companies to choose from that it can be a lot of work to find the best price.

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Locating affordable protection is easy if you know what you’re doing. Nevertheless, consumers do need to know the way insurance companies market on the web and use this information to your advantage.

Lower rates by qualifying for these six discounts

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find ways to save on insurance.

  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Driver Safety – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance policy could earn a price break for each car.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Insurance companies that possibly offer these money-saving discounts are:

Double check with each insurance company how you can save money. Some discounts might not apply in your state.

Finding Auto Insurance Deals

All the larger auto insurance companies such as State Farm, Allstate and GEICO quote prices for coverage on their websites. The process is pretty easy as you just type in your coverage preferences as detailed in the form. After you submit the form their system requests your credit score and driving record and returns pricing information.

Online price quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to find the best price possible.

Quote rates the easy way

A less time-consuming method to locate the lowest prices requires only one form that obtains quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online price comparison a little more enjoyable. As soon as you send your information, it is quoted and you can choose your choice of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and could lower your rates considerably.

To compare pricing, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate the coverages as shown on your current policy. Doing this guarantees you will receive comparison quotes for exact coverage.

Car insurance is unique, just like you

When buying the best insurance coverage coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • How does medical payments coverage work?
  • How can I get my company to pay me more for my totalled car?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when pulling a rental trailer?
  • Should I bundle my homeowners policy with my auto?
  • I don’t drive much so do I pay less?
  • Which is better, split liability limits or combined limits?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage basics

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for funeral costs, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield, theft and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volvo V70.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for collisions

Collision coverage will pay to fix damage to your V70 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 claims like rolling your car, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.


This coverage will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, pain and suffering, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Shop. Compare. Save.

Cheap 2009 Volvo V70 insurance is possible on the web and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Throughout this article, we presented some good ideas how to compare insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a small local company.

People switch companies for a number of reasons such as denial of a claim, policy non-renewal, unfair underwriting practices or even poor customer service. Whatever your reason, choosing a new insurance company is easier than you think.

Additional insurance coverage information is available at the links below