1997 Volvo 850 Insurance Quotes – 9 Tips to Save

Looking for better car insurance rates for your Volvo 850? Paying for high-priced Volvo 850 insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to tighten up your finances.

Online insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with catchy ads and consumers find it hard to see through the deception and take the time to shop coverage around.

It’s a good habit to do rate comparisons every six months due to the fact that insurance rates fluctuate regularly. Even if you got the best deal for 850 insurance on your last policy you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

How to Compare Auto Insurance Quotes

Most companies such as State Farm and Allstate give coverage price quotes on the web. Getting online quotes doesn’t take much effort as you just type in your coverage information into the quote form. When complete, their system pulls your driving record and credit report and returns pricing information. Quoting online streamlines rate comparisons, but the process of having to visit many different websites and type in the same information gets old quite quickly. Unfortunately, it is important to perform this step if you want to find better prices.

Compare rates the easy way

A less time-consuming method to lower your auto insurance bill makes use of a single form that gets price quotes from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending the form, your coverage is rated and you are able to buy any of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and can result in significant savings.

If you want to use this form to compare rates, click here to open in new window and fill out the form. To compare your current rates, we recommend you input the coverages as close as possible to your current policy. This ensures you will be getting a rate comparison based on the exact same insurance coverage.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

• Do all my vehicles need collision coverage?
• What is UM/UIM insurance?
• Do I need replacement cost coverage?
• When do I need to add a new car to my policy?
• Why do I only qualify for high-risk insurance?
• Should I waive the damage coverage when renting a car?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Volvo 850

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like court costs, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Volvo 850.

Because many people only carry the minimum required liability limits, 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. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your 850 resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage pay for bills such as funeral costs, rehabilitation expenses, doctor visits and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, falling objects, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.