Consumers have many options when looking for low-cost Volvo 960 insurance. They can either waste time driving around getting price quotes or utilize the internet to find the lowest rates. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage for your Volvo and obtain the best price possible from local insurance agents and online providers.
It’s a good idea to do rate comparisons occasionally since rates are rarely the same from one policy term to another. Even if you think you had the lowest rate for 960 coverage on your last policy a different company probably has better prices today. You can search a lot of car insurance online, but in a few minutes you can learn some excellent ideas to lower your car insurance premiums.
Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Vehicle owners just need to understand the best way to buy car insurance online.
Insurance Prices are Influenced by These Factors
It’s important that you understand some of the factors that play a part in calculating your car insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with cheaper rates. Many things are considered when premium rates are determined. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your marital status and annual miles driven.
- Cheaper rates after marriage – Walking down the aisle may earn you lower rates on car insurance. Having a spouse generally demonstrates drivers are more mature and it’s statistically proven that drivers who are married file infrequent claims.
- Don’t cancel your car insurance without a new one in place – Driving any period of time without insurance is not a good idea and car insurance companies will penalize you for letting your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
- Do you work long hours in a tough vocation? – Did you know that where you work can have an impact on rates? Occupations like military personnel, executives and emergency personnel usually pay higher premiums than the average policyholder in part from stressful work requirements and lots of time spent at work. On the other hand, careers such as scientists, engineers and the unemployed get better rates for 960 coverage.
- Insurance is expensive for youthful drivers – More experienced drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.Youthful drivers tend to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher.
- Which gender costs less? – Statistics have proven females are less aggressive when driving. It does not mean females are better drivers. Both sexes cause fender benders at about the same rate, but men cause more damage. Not only are claims higher, but men receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
- Know your vehicle’s crash test rating – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
- Fast cars cost more to insure – The make and model of the car or truck you are insuring makes a substantial difference in your car insurance bill. The lowest base rates are for the lowest performance passenger vehicles, but there are many factors that impact the final cost. Since the Volvo 960 is a sedan, insuring your vehicle will cost about the same as compared to the average rate.
Where can I get low cost car insurance?
Most of the larger companies such as 21st Century, Allstate and State Farm make it easy to get prices for coverage on their websites. Obtaining pricing doesn’t take much effort as you just enter the amount of coverage you want on the page. Upon sending the form, their system will obtain reports for credit and driving violations and quotes a price based on the information you submitted.
Being able to quote online makes it easy to compare insurance prices but the time it takes to visit several different sites and complete many quote forms is repetitive and time-consuming. But it is imperative to get many rate quotes in order to find the best price on car insurance.
A less time-consuming method to lower your car insurance bill utilizes a single form that gets prices from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much easier. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.
To find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy the insurance coverages as close as possible to your current policy. This ensures you will receive an apples-to-apples comparison for similar coverage.
But the ad said I’d save 15% in 15 minutes!
Drivers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads say the same thing about saving some big amount if you just switch to their company.
How is it possible that every company can charge lower premium rates? It’s all in the wording.
All the different companies have an ideal profile for the type of insured that will be a good risk. An example of a profitable customer might have to be over the age of 50, has had continuous coverage, and drives less than 7,500 miles a year. Any person who fits that profile will qualify for the lowest premium rates and have a good chance to cut their rates substantially.
Potential customers who do not match this ideal profile will probably be forced to pay a more expensive rate and this results in the customer buying from a different company. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that much money. That is how companies can truthfully lure you into getting a quote. Because every company is different, it’s extremely important to compare many company’s auto insurance rates. Because without a comparison, you cannot know with any certainty which company will have the best rates at this point in time.
Car insurance rates and discounts
The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Some of these disounts will be visible at the time of purchase, but a few must be specifically requested before they will apply.
- Defensive Driver – Successfully completing a defensive driving course may get you a small discount depending on where you live.
- Student Discounts – Being a good student may save as much as 25% on a . This discount can apply until age 25.
- Low Mileage – Fewer annual miles on your Volvo can earn discounted premium rates on garaged vehicles.
- Active Service Discounts – Being deployed in the military could mean lower car insurance rates.
- Telematics Discount – People who choose to allow companies to analyze driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
- Early Signing – Select larger companies give a discount for renewing your policy prior to your current policy expiring. It can save you around 10%.
- Save over 55 – Drivers over the age of 55 may qualify for a small discount on rates for 960 coverage.
- Distant Student Discount – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
- Full Payment Discount – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their for 960 coverage than less cautious drivers.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.
Large car insurance companies and some of the discounts are included below.
- 21st Century offers discounts for defensive driver, automatic seat belts, good student, early bird, driver training, and 55 and older.
- Progressive has discounts for online quote discount, good student, continuous coverage, multi-vehicle, multi-policy, and online signing.
- State Farm policyholders can earn discounts including passive restraint, defensive driving training, multiple policy, safe vehicle, Drive Safe & Save, good student, and Steer Clear safe driver discount.
- Nationwide may offer discounts for business or organization, anti-theft, good student, multi-policy, defensive driving, accident-free, and easy pay.
- Esurance offers premium reductions for emergency road assistance, Switch & Save, DriveSense, paid-in-full, and multi-policy.
- The Hartford may have discounts that include anti-theft, vehicle fuel type, air bag, defensive driver, bundle, and driver training.
It’s a good idea to ask all companies you are considering how you can save money. Some discounts listed above may not be offered in your area. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, click here to view.
Insurance agents can find coverage gaps
A lot of people still prefer to have an agent’s advice and we recommend doing that Professional agents are highly skilled in risk management and give you someone to call. One of the great benefits of comparing car insurance online is that you can find the lowest rates and still have a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance data is submitted to local insurance agents who will give competitive quotes to get your business. You never need to contact an agency due to the fact that quote results will go to you instantly. In the event you want to compare prices from a specific insurance company, you can always navigate to their website and submit a quote form there.
Deciding on an provider should depend on more than just a cheap quote. Below are some questions you should ask.
- Do they receive special compensation for putting your coverage with one company over another?
- Is there a Errors and Omissions policy in force?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are there any discounts that you might be missing?
- How much training do they have in personal risk management?
- What company do they have the most business with?
Captive agents vs. Independent agents
When finding a good insurance agency, there are two different types of agents that you can select. Car insurance agents can be categorized as either captive or independent. Either can write car insurance policies, but it’s worth learning the subtle differences because it can factor into the selection process.
Captive Agencies
Agents of this type have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. They receive extensive training on their products and sales techniques which helps them sell on service rather than price. Some consumers prefer to purchase coverage from captives mainly due to high brand loyalty rather than having the cheapest rates.
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your premiums go up, an independent agent can move your coverage which requires no work on your part. If you need cheaper car insurance rates, you will want to get insurance quotes from several independent agencies for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.
To help find insurance agencies near you, click to find a local insurance agency.
Which is the best car insurance?
When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.
For example, these questions could help you determine if your situation could use an agent’s help.
- Am I covered when pulling a rental trailer?
- Can my teen driver be rated on a liability-only vehicle?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Do I have coverage if my license is suspended?
- Do I need PIP coverage since I have good health insurance?
- Are my friends covered when driving my Volvo 960?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Keep this in mind
When shopping online for car insurance, make sure you don’t reduce coverage to reduce premium. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.
Lower-priced car 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 companies may not have internet price quotes and usually these smaller providers provide coverage only through local independent agencies.
In this article, we covered some good ideas how you can shop for Volvo 960 insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding . Drivers may discover the biggest savings come from the least-expected company.
