Save on 1998 Volvo S70 Car Insurance Rates

Trying to find cheaper insurance coverage rates? Buyers have lots of choices when searching for low-cost Volvo S70 insurance. You can either spend your time calling around getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to quote coverages for your Volvo and locate the lowest possible price from both online companies and local agents.

It’s a great practice to check insurance coverage prices quite often since rates are rarely the same from one policy term to another. If you had the best price on S70 coverage last year you will most likely find a better rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Comprehensive Insurance Comparison

All the larger insurance companies like State Farm, Geico and Progressive give coverage price quotes online. Obtaining pricing doesn’t take a lot of time as you simply enter the coverages you want into a form. Behind the scenes, the system orders credit information and your driving record and generates pricing information.

Online quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to find lower prices.

A less time-consuming method to compare insurance pricing uses one simple form that gets price quotes from several different companies. It saves time, requires less work, and makes online quotes a little more enjoyable. Immediately after you send the form, it gets priced and you are able to buy any one of the pricing results.

If a lower price is quoted, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

In order to compare rates using this form now, click here to open in new window and submit the form. If you have coverage now, it’s recommended you duplicate the coverages identical to your current policy. This makes sure you’re receiving rate comparison quotes based on the exact same insurance coverage.

These discounts can slash auto insurance rates

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but some may not be applied and must be manually applied before you get the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
Paperless Signup – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
Federal Employees – Employees or retirees of the government can earn a discount up to 10% on S70 coverage depending on your company.
Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Fewer Miles Equal More Savings – Low mileage vehicles could qualify for better rates on cars that stay parked.

It’s important to note that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, follow this link.

When might I need the advice of an agent?

When buying the right insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions might help in determining if your insurance needs might need professional guidance.

Does medical payments coverage apply to all occupants?
When should I drop full coverage on my 1998 Volvo S70?
What discounts do I qualify for?
Can I still get insurance after a DUI?
Does insurance cover damages from a DUI accident?
Do I need higher collision deductibles?
Should I buy additional glass protection?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability

Liability coverage can cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three 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 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage

This pays for damage to your S70 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, prosthetic devices, hospital visits and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, falling objects, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.