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Volvo S60 Insurance Rates

You have many choices when attempting to insure your Volvo vehicle. You can either contact a local agent or get quotes online to compare rates from many different auto insurance companies. Buying auto insurance through online rate quotes saves time, is easy to do, in addition you might just save a little.

Shopping online for auto insurance can be complicated if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a Volvo S60 can vary widely and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Your age
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Having current coverage saves
  • Owning a home can lower rates

A final factor that helps determine Volvo S60 insurance rates is the model year. Newer models cost more in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your S60 from the following list.

Auto liability

This protects you from injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Volvo from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper Volvo S60 insurance rates.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Volvo S60 comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Volvo S60 Insurance Rates?