1999 Volvo C70 Insurance Rates – 10 Tips for Best Quotes

Locating low-cost insurance for a Volvo C70 could be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier. There are both good and bad ways to buy insurance coverage so you’re going to learn the quickest way to compare rates for your Volvo and get the best price possible either online or from local insurance agents.

It’s important to compare rates yearly because prices tend to go up over time. Just because you found the best deal for C70 insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding Car Insurance

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the best way to get rate quotes. You could waste time talking about coverages with insurance agencies in your area, or you can utilize online quoting to get the quickest rates.

Many insurance companies take part in a program where insurance shoppers enter their policy data once, and every company then gives them pricing based on that information. This saves time by eliminating form submissions for every car insurance company.

To compare 1999 Volvo C70 rates using this form now click here to start a free quote.

One minor caviat to comparing rates this way is you don’t know exactly which providers to get pricing from. If you wish to select from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits and deductibles for each price quote. If you are comparing differing limits it will be very difficult to determine which rate is truly the best.

Lots of discounts mean lots of savings

Car insurance companies don’t always publicize every available discount very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.

  • Bundle and Save – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Defensive Driver – Taking a course in driver safety can save you 5% or more if you qualify.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for C70 insurance with select insurance companies.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for C70 insurance than drivers with accidents.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not be offered in every state.

Situations that might require an agent

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Am I better off with higher deductibles on my 1999 Volvo C70?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my teen driver covered when they drive my company car?
  • Will my rates increase for filing one claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Specific coverages for a 1999 Volvo C70

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, pain medications, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance covers damage to your C70 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Auto liability

This will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Volvo C70.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, hail damage, a broken windshield, hitting a deer and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.