Compare 1998 Volvo C70 Insurance Cost

Want better car insurance rates for your Volvo C70? Having to pay for overpriced Volvo C70 insurance can drain your savings account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

You have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

Finding the best coverage is easy if you know what you’re doing. Essentially anyone who carries car insurance stands a good chance to be able to lower their premiums. But car owners benefit from understanding how insurance companies market insurance on the web and apply this information to your search.

Why your Volvo C70 might be costing you more

It’s important that you understand some of the elements that go into determining the price you pay for insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings.

  • Where you live – Choosing to live in a rural area has it’s advantages when it comes to insurance. City drivers tend to have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Your spouse saves you money – Getting married can get you a discount on your insurance policy. It translates into being more mature and responsible and statistics show drivers who are married are more cautious.
  • Poor driving leads to higher costs – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single ticket can boost insurance rates twenty percent or more. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.

Free Insurance Coverage Quotes

To find the best insurance coverage prices, there are several ways of comparing rate quotes from different insurance companies. By far the easiest way to find competitive 1998 Volvo C70 insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • The fastest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for repetitive form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes direct from many companies.
  • A more difficult way to get quotes online requires you to visit the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from Farmers, Safeco and Progressive. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  • The hardest method to get comparison rates is driving around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional advice of a local agent. It is possible to compare the best prices online and get advice from an agent in your area.

It’s your choice how you get your quotes, but ensure you’re using identical coverage information for every quote you compare. If you compare mixed coverages it will be next to impossible to determine the lowest rate for your Volvo C70. Just a small difference in coverage limits may result in large price differences. Just remember that more quotes helps you find a lower rate.

These discounts can lower your rates

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some trigger automatically at quote time, but some must be specifically requested prior to receiving the credit.

  • Drive Safe and Save – Safe drivers can pay as much as 50% less for C70 coverage than less cautious drivers.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.

It’s important to note that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

A partial list of companies who might offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your state.

Different people need different coverages

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if you might need professional guidance.

  • What are the best liability limits?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I drive in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • Do I need roadside assistance coverage?
  • Should I have a commercial auto policy?
  • What happens if I owe more than my 1998 Volvo C70 is worth?
  • Is my 1998 Volvo C70 covered for smoke damage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of car insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield, theft and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as surgery, prosthetic devices, EMT expenses, nursing services and pain medications. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t 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 values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your C70 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb, scraping a guard rail, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Save your cold hard cash

We just presented quite a bit of information on how to compare 1998 Volvo C70 insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the smaller companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

When you buy insurance online, you should never buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Much more information about car insurance is located at the links below