Lower Your 1996 Volvo 850 Car Insurance Quotes

Want better insurance coverage rates for your Volvo 850? Expensive insurance coverage can empty your bank account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

Because you have many choices of insurance companies, it can be diffult for consumers to choose the most affordable provider.

Quick Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to submit their information once, and at least one company returns a competitive quote for coverage. This eliminates the need for quote requests to each company.

To enter your information into the quoting system, click here to open in new window.

The single downside to comparing rates this way is you are unable to specify which providers you want pricing from. So if you prefer to pick individual companies to compare, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages and limits for each comparison quote. If you have different deductibles you can’t possibly make a fair comparison for your Volvo 850. Just a small difference in insurance coverages may result in a large different in cost. And when quoting insurance coverage, remember that comparing a large number of companies will enable you to find a better price.

Be sure to get all your discounts

Car insurance companies don’t list all their discounts very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Drive Less and Save – Keeping the miles down on your Volvo could be rewarded with a substantially lower rate.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more if your company offers it.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

A partial list of companies who might offer these money-saving discounts include:

Double check with all companies you are considering how you can save money. Discounts may not be available everywhere.

Lesser-known factors impacting Volvo 850 insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • High numbers of claims are not good – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Companies award discounts to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Rural vs Urban Areas – Residing in a rural area can be a good thing when buying auto insurance. Lower population means reduced accidents as well as less vandalism and auto theft. City drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances can result in more accidents.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether you may require specific advice.

  • When do I need to add a new car to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • What is an SR-22 filing?
  • Do I pay less for low miles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How much underlying liability do I need for an umbrella policy?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, nursing services and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision coverage covers damage to your 850 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, rock chips in glass, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

This provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, medical services, loss of income, legal defense fees and emergency aid. How much coverage you buy is up to you, but you should buy as much as you can afford.

Shop around and save

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where someone dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We covered some good ideas how you can get a better price on 1996 Volvo 850 insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

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