Sick and tired of not being able to afford to insure your Volvo every month? You’re in the same situation as the majority of other car owners.
Online insurance companies like State Farm, Progressive and GEICO continually hit you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.
If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, drivers need to have an understanding of how big insurance companies sell insurance online.
How to Get Car Insurance
Shopping for lower car insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day talking about coverages with agents in your area, or you could use the web to get prices fast.
Most car insurance companies belong to a marketplace that enables customers to send in one quote, and every company can give them a price. This prevents consumers from doing quote requests for every car insurance company.
To find out how much you’re overpaying now click here to open in new window.
The only drawback to using this type of form is that consumers can’t choose the insurers to get quotes from. So if you want to select specific providers for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but make sure you use apples-to-apples information for every quote you compare. If you are comparing different deductibles it’s not possible to find the best deal for your Volvo 760. Having just a slight variation in limits could mean much higher rates. It’s important to know that comparing more company’s prices gives you a better chance of getting the best rates.
Cut your premium with discounts
Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be requested specifically before they will apply.
- Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
- Low Mileage Discounts – Fewer annual miles on your Volvo can earn discounted rates on garaged vehicles.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for 760 coverage than their less cautious counterparts.
Keep in mind that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, it doesn’t quite work that way. But any discount will cut your overall premium however.
For a list of companies with discount car insurance rates, click this link.
