1991 Volvo Coupe Insurance Quotes – 7 Savings Tips

Locating cheaper insurance for a Volvo Coupe could be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages on a Volvo and get the best price possible from local insurance agents and online providers.

Finding the lowest cost protection is easy if you know what you’re doing. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to know how to get comparison rates online.

Comprehensive Auto Insurance Comparison Quotes

Getting a cheaper price on 1991 Volvo Coupe insurance can be surprisingly simple. Drivers just need to invest a little time comparing rate quotes from different insurance companies. This is very easy and can be done in several different ways.

  1. The best way to find low rates is a comparison rater form (click to open form in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
  2. A more time consuming way to find lower rates consists of going to the website of each company and request a quote. For instance, let’s assume you want to compare Farmers, Geico and Progressive. You would have to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use the exact same deductibles and coverage limits for every company. If you enter different liability limits you can’t possibly determine which rate is truly the best.

Save money by taking advantage of these seven discounts

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be manually applied before you get the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Distant Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.

It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

Insurance companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company how you can save money. Savings may not be available in your area.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out whether you may require specific advice.

  • What is the minimum liability in my state?
  • Does coverage extend to Mexico or Canada?
  • If I drive on a suspended license am I covered?
  • Is my custom paint covered by insurance?
  • Why am I required to buy high-risk coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Switch companies and save? Really?

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm, Geico and Progressive. They all make an identical promise of big savings after switching your coverage to them.

But how can every company claim to save you money?

All the different companies can use profiling for the type of driver they prefer to insure. A good example of a profitable customer could possibly be over the age of 40, is a homeowner, and has great credit. A propective insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who are not a match for the requirements will have to pay a higher premium which leads to business not being written. The ads state “people who switch” not “everybody who quotes” save money. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, you need to quote coverage with many companies. You cannot predict which company will fit your personal profile best.

Auto insurance 101

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

Collision coverage covers damage to your Coupe resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, emergency aid, loss of income, court costs and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, dental work, ambulance fees, nursing services and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Volvo Coupe.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, falling objects, a tree branch falling on your vehicle, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

What is YOUR best insurance company?

In this article, we covered many ways to compare 1991 Volvo Coupe insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the lesser-known companies.

Insureds switch companies for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, denial of a claim and even policy non-renewal. Regardless of your reason, choosing a new company can be pretty painless.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

More detailed insurance information can be read by following these links: