No one enjoys paying for auto insurance, especially knowing the cost is too high.
Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive best rate
How to Compare Auto Insurance Rates
All major auto insurance companies like State Farm, GEICO and Progressive allow you to get pricing on their websites. This process doesn’t take much effort as you simply type in your personal and coverage information as requested by the quote form. After the form is submitted, their rating system gets your driving and credit reports and quotes a price based on these factors. Online quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. But it is imperative to perform this step in order to find better prices.
The smarter way to locate the lowest prices uses one simple form that gets price quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes quoting online much simpler. After sending your information, it is rated and you can select any one of the quote results. If you find a better price it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.
If you want to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you input deductibles and limits as shown on your current policy. This ensures you will be getting a fair comparison based on the exact same insurance coverage.
Take discounts and save
Companies offering auto insurance don’t always advertise all their discounts very well, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.
- No Charge for an Accident – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
- Organization Discounts – Participating in a qualifying organization could qualify you for a break on your policy on C70 insurance.
- Multiple Policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
- No Accidents – Claim-free drivers pay less compared to accident-prone drivers.
- Save over 55 – Mature drivers may qualify for reduced rates on C70 insurance.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Employee of Federal Government – Simply working for the federal government can save as much as 8% on C70 insurance depending on your company.
- College Student – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way.
To choose providers who offer auto insurance discounts, click here.
Volvo C70 insurance rates are influenced by…
It’s important that you understand some of the elements that go into determining auto insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get big savings.
Listed below are some of the factors companies use to determine your rates.
- Where do you drive? – Driving more miles in a year’s time the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance coverage is showing the proper vehicle usage. If your policy improperly rates your C70 may be costing you.
- Choose a safe vehicle and save – Cars with high safety ratings get lower rates. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Volvo C70 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
- Where you live can impact rates – Being located in a rural area is a positive aspect when talking about auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and a lower car theft rate.
Neighborhood insurance agents
Some consumers would prefer to buy from a local agent and that is OK! The best thing about comparing insurance prices online is you can get lower rates but still work with a licensed agent.
After completing this simple form, your coverage information is emailed to local insurance agents who will return price quotes for your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?! You can find the lowest rates and an insurance agent to talk to.
Choosing an insurer should depend on more than just the premium amount. Any agent should be forthright in answering these questions:
- Are claims handled at the agent’s location?
- Can glass repairs be made at your home?
- What will you get paid if your car is a total loss? How is that amount determined?
- How many years of experience in personal lines insurance coverages do they have?
- Do they assist clients in filing claims?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
What type of auto insurance agent is right for you?
When searching for a reliable agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Insurance agencies are either independent or captive.
Captive Insurance Agents
Captive insurance agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are not able to shop your coverage around so always compare other rates. Captive agents receive extensive training on the products they sell which can be an advantage.
Independent Agents
Independent agents do not work for one specific company so they can insure your vehicles amongst many companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s recommended you include at a minimum one independent agency to get the best comparison.
To view a complete directory of insurance agents, click here.
After getting reasonable responses to any questions you have and an affordable coverage quote, you’ve probably found a car insurance agent that will adequately provide auto insurance.
When might I need the advice of an agent?
When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation will benefit from professional help.
- When should I not file a claim?
- Do I pay less if my vehicle is kept in my garage?
- Am I covered when pulling a rental trailer?
- Does my insurance cover my expensive audio equipment?
- Is my custom paint covered by insurance?
- Does my liability insurance cover pulling a trailer or camper?
- What are the best liability limits?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
Final thoughts
In this article, we presented a lot of tips how to save on Volvo C70 insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
Cheap Volvo C70 insurance can be bought online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
