Three Steps to Paying Less for Volvo 960 Insurance
If we enjoyed shopping for car insurance, we'd do it more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. You probably feel the same way when trying to find cheaper coverage for your Volvo 960.
Step One: Get Insurance Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Welcome to the NEW way to buy car insurance!
Comparing insurance rates for a Volvo 960 only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Volvo 960 is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Top Ways to Get Lower Volvo 960 Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Volvo 960 insurance rates.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Most Volvo vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Purchase a New Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If the Volvo 960 is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Volvo 960 at risk as soon as you drive away.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute is the industry authority for consumer car insurance information.
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