Finding low-cost insurance for a Volvo XC60 could be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to shop for car insurance and we’ll show you the best way to compare rates for your Volvo and obtain the lowest possible price from both online companies and local agents.
It’s a good idea to compare prices every six months due to the fact that insurance rates go up and down regularly. Even if you think you had the best price on XC60 insurance a couple years back there may be better deals available now. So just ignore everything you know about car insurance because you’re going to learn how to quote online to remove unneeded coverages and save money.
If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Finding the lowest cost protection is quite easy. But car owners do need to learn how big insurance companies price online insurance.
More discounts equal less premium
Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so here is a list some of the best known and the more hidden car insurance savings.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
- Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Multiple Vehicles – Having multiple vehicles with the same company can get a discount on all vehicles.
- College Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
- Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on your policy on XC60 insurance.
- Senior Citizens – Older drivers may be able to get reduced rates on XC60 insurance.
- Paperless Signup – Some insurance companies give back up to $50 simply for signing online.
- Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
- Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.
For a list of insurance companies who offer car insurance discounts, click here.
Car Insurance Prices Online
Effectively comparing car insurance prices can be a lot of work if you don’t know the best way to get rate quotes. You could waste time driving to insurance agencies in your area, or you could save time and use online quotes to get prices fast.
Many of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company returns a rated price. This eliminates the need for quotation requests for every car insurance company.
To find out how much you can save on car insurance click to open in new window.
The one disadvantage to using this type of system is you cannot specify the providers you want pricing from. So if you want to select individual companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.
However you get your quotes, make sure you use the exact same coverage limits and deductibles for every quote you compare. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting car insurance, remember that getting more free quotes helps locate the best offered rates.
These factors can influence Volvo XC60 insurance rates
It’s important that you understand the rating factors that help determine the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.
- Optional equipment can affect rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
- Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
- Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, business owners and accountants have higher rates than average in part from job stress and lengthy work days. On the flip side, occupations like pilots, athletes and performers get better rates on XC60 insurance.
- High performance equals high price – The make and model of the vehicle you own makes a big difference in your rates. Since the Volvo XC60 falls in the luxury crossover class, insuring your vehicle will cost substantially more as compared to the average rate. Low performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
- With age comes lower rates – Young drivers are statistically proven to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Adding a teen driver onto a policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
- Credit scores impact car insurance rates – A driver’s credit rating is a big factor in calculating your car insurance rates. Consumers who have high credit scores tend to be less risk to insure than those with poor credit. Therefore, if your credit can use some improvement, you could be paying less to insure your Volvo XC60 by repairing your credit.
- Discounts for married couples – Having a wife or husband helps lower the price on your car insurance policy. Marriage means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.
It’s not one size fits all
When choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.
These are some specific questions could help you determine whether you would benefit from professional advice.
- Will I lose any money if I cancel my policy before it expires?
- Is rental equipment covered for theft or damage?
- Do I need added coverage for expensive stereo equipment?
- Is my teen driver covered when they drive my company car?
- Do I need PIP (personal injury protection) coverage in my state?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What discounts do I qualify for?
- Am I covered when using my vehicle for business?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.
What is YOUR best insurance company?
People change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, unfair underwriting practices or delays in paying claims. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.
Low-cost Volvo XC60 insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.
