2012 Volvo XC70 Car Insurance Quotes

Trying to find better auto insurance rates for your Volvo XC70? Overpriced Volvo XC70 insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to help make ends meet. Companies like GEICO and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

Consumers should take time to check auto insurance prices on a regular basis because prices trend upward over time. Despite the fact that you may have had the best rates on XC70 insurance last year other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

How to Get Insurance Coverage Comparison Quotes

Finding lower insurance coverage rates can be quick and easy. You just need to take time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. The fastest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating separate forms for each company. One simple form gets rate comparisons from insurance coverage companies with the best prices.
2. A harder way to get comparison quotes consists of going to each individual company website to complete a price quote. For example, let’s say you want to compare rates from Farmers, Liberty Mutual and State Farm. You would have to visit each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
3. The least recommended method to get comparison rates is driving to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. It is possible to find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

However you get your quotes, ensure you are comparing identical coverage limits for each comparison quote. If you have different deductibles it will be impossible to determine which rate is truly the best.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but some must be specifically requested before you get the savings. If you’re not getting every credit available, you are paying more than you should be.

• Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
• Homeowners Savings – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
• Lower Rates for Military – Having a family member in the military can result in better rates.
• No Accidents – Claim-free drivers pay much less when compared to bad drivers.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of insurance companies who offer insurance discounts, click this link.

Insurance agents can help

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

• Do I really need UM/UIM coverage?
• Does my car insurance cover rental cars?
• Should I have combined single limit or split liability limits?
• Should I carry comprehensive and collision coverage?
• Can I get a multi-policy discount?
• Am I insured when driving a different vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Collision coverages – This will pay to fix damage to your XC70 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, rolling your car, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volvo XC70.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, dental work, prosthetic devices, pain medications and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle, damage from getting keyed and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage – This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as loss of income, funeral expenses, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.