Compare 2017 Volvo S60 Insurance Quotes

Want lower insurance coverage rates for your Volvo S60? Pretty sure you bought overpriced insurance coverage? You’re in good company because there are many consumers feeling the pinch from expensive insurance coverage. Drivers have multiple car insurance companies to buy insurance from, and even though it’s nice to have a selection, it can be more difficult to compare rates.

Informed drivers know how to quote insurance at a discount

Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are not quite as obvious like your vehicle usage or how safe your car is.Smart consumers have a good feel for some of the elements that help calculate the rates you pay for insurance. When you understand what determines base rates, this allows you to make educated decisions that may result in better insurance rates.

The following are some of the items companies use to determine your rates.

  • Insurance rates and your job – Occupational choices like military personnel, business owners and medical professionals generally have higher average rates attributed to high stress and extremely grueling work hours. Conversely, jobs like farmers, students and homemakers have the lowest average rates on S60 coverage.
  • High credit rating translates to low rates – An insured’s credit score can be an important factor in determining what you pay for insurance. If your credit rating is low, you could save money insuring your 2017 Volvo S60 by improving your rating. Consumers who have excellent credit scores tend to be less risk to insure than those with lower ratings.
  • Younger drivers pay higher rates – More mature drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Youthful drivers are proven to be inattentive in a vehicle so insurance rates are higher.
  • Infrequent drivers can save – The higher the mileage driven every year the more you will pay for insurance. Most companies charge to insure your cars partially by how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Incorrect rating for your S60 is just wasting money. It’s always a good idea to double check that your policy states the correct usage, because improper ratings can cost you money.
  • Car insurance liability coverage limits – The liability section of your policy will provide protection when you are responsible for personal injury or accident damage. Your liability coverage provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Rental and towing coverage may not be needed – Policies have additional coverages that can waste your money but may not be useful. Add-on coverages like roadside assistance, accidental death, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.

The best way to compare rates is to take advantage of the fact auto insurance companies participate in online systems to quote your coverage. All consumers are required to do is give them some information such as if you lease or own, marital status, how much school you completed, and how your vehicles are used. Your details is instantly provided to multiple insurance coverage providers and they return rate quotes immediately.

To start a rate quote now, click here and enter your zip code.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads for insurance coverage savings by companies like State Farm, Allstate and Geico. All the companies make an identical promise of big savings if you move to them.

How does every company make the same claim? You have to listen carefully.

Insurance companies quote their best rates for the type of driver that will not have excessive claims. One example of a driver they prefer could be a mature driver, has a clean driving record, and has a short commute. Anybody that fits those parameters will probably get cheap car insurance rates and will most likely save some money.

Consumers who don’t meet those criteria will see a more expensive rate which leads to the customer buying from someone else. The trick is to say “drivers who switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently claim big savings. Because every company is different, it’s extremely important to compare rate quotes every year. It is just not possible to predict the company that will provide you with the cheapest rates.

Take advantage of every car insurance discount

The price of auto insurance can be rather high, but you can get discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be manually applied before you get the savings.

  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Include Life Insurance and Save – Larger insurance carriers have better rates if you take out some life insurance too.
  • Own a Home and Save – Being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraints and Air Bags – Cars that have air bags may get savings of 20 to 30 percent.
  • Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations could trigger savings on your next car insurance statement.
  • Low Miles Discount – Low annual miles could earn lower rates due to less chance of an accident.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

The best car insurance companies and some of the premium reductions they offer are shown below.

  • Geico discounts include federal employee, multi-vehicle, daytime running lights, air bags, driver training, and defensive driver.
  • Travelers may include discounts for good student, continuous insurance, home ownership, hybrid/electric vehicle, save driver, and new car.
  • Nationwide offers premium reductions for accident-free, business or organization, defensive driving, multi-policy, and Farm Bureau membership.
  • Farmers Insurance has savings for teen driver, mature driver, alternative fuel, multi-car, good student, and electronic funds transfer.
  • Esurance has discounts for safety device, renters, multi-policy, paid-in-full, good student, Pac-12 alumni, and defensive driver.
  • State Farm offers discounts including driver’s education, good driver, multiple autos, anti-theft, defensive driving training, student away at school, and passive restraint.
  • Progressive may offer discounts for good student, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Mercury Insurance offers discounts for annual mileage, good student, good driver, multi-policy, ease of repair, and type of vehicle.

When quoting, ask each insurance company how you can save money. Some of the discounts discussed earlier may not be available in your state. To view companies that offer the discounts shown above, click this link.

How to know if you need help

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Is my 2017 Volvo S60 covered for smoke damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my camper covered by my car insurance policy?
  • If my 2017 Volvo S60 is totaled, can I afford another vehicle?
  • Does coverage extend to my business vehicle?
  • What can I do if my company denied a claim?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a Volvo S60

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, theft and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision coverage will pay to fix damage to your S60 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like dental work, prosthetic devices and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like attorney fees, court costs, repair costs for stationary objects, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volvo S60.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Knowledge is power

Throughout this article, we presented a lot of techniques to lower your 2017 Volvo S60 insurance rates. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the lowest rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

A few companies do not offer online price quotes and most of the time these smaller providers prefer to sell through local independent agencies. The cheapest 2017 Volvo S60 insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

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