Cheaper 2016 Volvo XC60 Insurance Quotes

Searching for the cheapest auto insurance rates for your Volvo XC60? Locating the cheapest insurance for a new or used Volvo XC60 could be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are more efficient ways to find auto insurance online so you’re going to learn the best way to price shop coverage for your Volvo and locate the lowest possible price from both online companies and local agents.

You need to do price comparisons at least once a year because prices are variable and change quite frequently. Even if you got the best price for XC60 insurance a few years ago there may be better deals available now. There are a lot of ways to save on auto insurance online, but we’re going to give you some solid techniques on how to quit paying high auto insurance rates.

Finding affordable coverage is quite easy. If you have a current insurance coverage policy or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Drivers just need to know how to shop their coverage around on the web.

Discounts to earn cheap insurance coverage rates

Some companies don’t list every discount very clearly, so we researched some of the more common and also the lesser-known ways to save on insurance coverage.

  • ABS Brakes – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to drivers with a long claim history.
  • Senior Citizen Rates – Older drivers may qualify for better insurance coverage rates for XC60 insurance.
  • Low Mileage Discounts – Driving less can earn cheaper prices.
  • College Student Discount – living away from home attending college and leave their car at home can receive lower rates.
  • Clubs and Organizations – Participating in a qualifying organization is a simple method to lower premiums on your next insurance coverage statement.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease for XC60 insurance with some insurance coverage companies.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.

As is typical with insurance, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

A list of companies and some of the discounts are shown below.

  • The Hartford discounts include good student, vehicle fuel type, anti-theft, driver training, bundle, defensive driver, and air bag.
  • American Family offers discounts for mySafetyValet, TimeAway discount, accident-free, good student, bundled insurance, and Steer into Savings.
  • Progressive has discounts for multi-vehicle, online quote discount, continuous coverage, homeowner, multi-policy, online signing, and good student.
  • Travelers offers premium reductions for payment discounts, good student, hybrid/electric vehicle, new car, student away at school, and save driver.
  • Farmers Insurance offers discounts including teen driver, switch companies, mature driver, pay in full, and multi-car.
  • USAA may offer discounts for vehicle storage, safe driver, family discount, multi-policy, defensive driver, good student, and new vehicle.
  • Liberty Mutual has savings for new move discount, preferred payment discount, safety features, new vehicle discount, multi-car, newly retired, and good student.

Before you buy a policy, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not be available in your state. To see a list of providers with discount rates, click here to view.

Informed consumers know how to quote auto insurance more affordably

Many different elements are considered when premium rates are determined. Some of the criteria are obvious like an MVR report, although some other factors are less obvious like your continuous coverage or how safe your car is.Part of the auto insurance buying process is learning some of the factors that help calculate your policy premiums. If you know what influences your rates, this allows you to make educated decisions that could help you find better auto insurance rates.

  • Credit score impact auto insurance prices – Having a bad credit rating factor in determining what you pay for auto insurance. Insureds with very good credit scores tend to be more responsible and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit score can be improved, you could save money insuring your 2016 Volvo XC60 by spending a little time repairing your credit.
  • Vehicles with better crash test results that cut auto insurance rates – Choosing to buy a car with a theft deterrent system can save you a little every year. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
  • Buy a safe car and pay less – Safer cars can get you lower premiums. Highly rated vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Volvo XC60 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Rates also based on gender – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Females and males are in fender benders at a similar rate, but males have accidents that have higher claims. Men also receive more major tickets such as reckless driving.
  • Your vocation can affect rates – Occupations like military generals, social workers and miners tend to have the highest rates due to intense work requirements and long work hours. Conversely, careers such as actors, historians and homemakers pay the least for XC60 insurance.
  • Do you really need to file that claims? – If you frequently file small claims, you can look forward to higher rates. Car insurance companies generally give the lowest premiums to policyholders who do not rely on their insurance for small claims. Auto insurance is designed for larger claims.
  • Big cities have higher premiums – Having an address in small towns and rural areas may provide you with better prices when insuring your vehicles. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have more traffic problems and more severe claims. Spending more time driving means higher likelihood of an accident.
  • Teenagers vs. older drivers – Teenage drivers are statistically shown to be less responsible in a vehicle so auto insurance rates are higher. Parents adding a teenage driver onto your auto insurance can be very expensive. Older people are shown to be more cautious, cause fewer claims and accidents and are safer drivers.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Should I buy only the required minimum liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my teenager covered with friends in the car?
  • Should I rate my 2016 Volvo XC60 as pleasure use or commute?
  • Does insurance cover damages from a DUI accident?
  • Why is insurance for a teen driver so high?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Big names are not always cheapest

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and Geico. They all seem to try to convey promises that drivers can save some big amount if you move to their company.

It sounds good, but how can they all claim to save you money? This is how they do it.

Insurance companies require specific criteria for the right customer that will generate a profit. An example of a profitable customer should be a mature driver, has no claims, and the vehicle is rated for pleasure use. Any customer that matches those criteria is entitled to the best price and most likely will cut their rates if they switch.

People who are not a match for these stringent criteria will probably be forced to pay higher premium rates which usually ends up with the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that much. That’s the way companies can truthfully advertise the way they do.

Because of these techniques, you absolutely need to compare many company’s premium rates. It’s not possible to predict which company will fit your personal profile best.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, legal defense fees, medical services, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like pain medications, surgery and hospital visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from a tornado or hurricane and fire damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volvo XC60.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Don’t be a big spender

Drivers leave their current company for any number of reasons including poor customer service, policy cancellation, high rates after DUI convictions and even lack of trust in their agent. It doesn’t matter why you want to switch switching companies is not as hard as you think.

Cheaper 2016 Volvo XC60 insurance is possible both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies don’t offer rates over the internet and most of the time these regional carriers sell through independent agents.

Throughout this article, we presented many tips how you can reduce 2016 Volvo XC60 insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the least-expected company.

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