Save on 1997 Volvo 960 Insurance Quotes

Trying to find lower car insurance rates for your Volvo 960? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are many people just like you.

You have multiple insurers to purchase coverage from, and even though it’s nice to have a choice, it can be more difficult to get the best deal.

Consumers should take time to compare prices periodically due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price for 960 insurance a year ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because it’s time to teach you the fastest and easiest way to reduce your cost while increasing coverage.

These factors can influence Volvo 960 insurance rates

It’s important that you understand the factors that help determine your insurance coverage rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower insurance coverage prices.

The following are a partial list of the pieces insurance coverage companies consider when setting rates.

  • High deductibles save money – Your deductibles define the amount you are required to spend before your insurance coverage pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more money the insured has to pay upfront, the lower your rates will be for 960 insurance.
  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to keep their license.
  • Bundling policies can get discounts – Most insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, you may still want to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.
  • Liability coverage is peace of mind – The liability section of your policy provides coverage if you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Add-on coverages can add up – There are many additional coverages that you can buy when buying insurance coverage. Coverages for roadside assistance, towing coverage and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Frequent insurance coverage claims increase rates – Insurance companies provide cheaper rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is designed for larger claims.
  • Pleasure use or commuting – The more miles you rack up on your Volvo each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage policy is rated on how each vehicle is driven. Incorrect usage on your 960 can cost quite a bit.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

The best way we recommend to get rate comparisons is to take advantage of the fact car insurance companies participate in online systems to give rate comparisons. To begin a comparison, all you need to do is give them some information like the type of vehicles you drive, your education level, types of safety features, and coverage limits. The rating information is instantly sent to all major companies and you will get price comparisons within a short period of time.

To check rates for your Volvo 960 , click here and complete the quick form.

Are you getting all your discounts?

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we researched both well-publicized and the more hidden insurance savings.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Driver Safety – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Bundle and Save – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Homeowners Savings – Owning a house can help you save on insurance because maintaining a house demonstrates responsibility.

It’s important to note that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free insurance policy, it doesn’t quite work that way.

To see a list of insurers who offer insurance discounts, click here to view.

When might I need an agent?

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Can I drive in Mexico and have coverage?
  • Does my car insurance cover rental cars?
  • Do I need roadside assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I drive in a foreign country?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Comprehensive (Other than Collision) – This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, vandalism, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Volvo 960.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, EMT expenses, pain medications and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability insurance – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like emergency aid, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your 960 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Spend less. Save more.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We just showed you some good ideas how you can reduce 1997 Volvo 960 insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. These companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Helpful information