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Volvo XC60 Insurance Rates

Buying car insurance from online companies is easy and there is a good chance you may find lower rates. The key is to take the time to get rates from as many companies as possible so you can get all your choices.

People who are new to shopping for insurance may think purchasing cut-rate Volvo XC60 insurance can be quite difficult. The are a couple different ways to get quotes and find the best price. The fastest way to find competitive Volvo XC60 insurance quotes is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums for your Volvo XC60 can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Where you live
  • High miles vs. low miles
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your XC60
  • Your job
  • Insurance coverage level
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Volvo models so the payout to repair will push premiums down. Although more recent Volvo vehicles have more advanced features included like an advanced theft deterrent system, all-wheel drive, and traction control which can give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage

Liability insurance will cover damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Volvo resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Volvo XC60 insurance rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Volvo XC60 Insurance Rates?