View 1999 Volvo V70 Insurance Quotes

Want better insurance rates for your Volvo V70? Paying for high-priced Volvo V70 insurance can drain your personal savings and put the squeeze on your family’s finances. Comparing price quotes is free and is an excellent way to cut your insurance bill. Big companies like Geico, Farmers Insurance and State Farm persitently shower you with ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

Why your Volvo V70 might be costing you more

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

The list below includes a partial list of the pieces used by your company to calculate prices.

  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a fast way to pay more for insurance coverage. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may have to file a SR-22 with your state DMV.
  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Where you live is a factor – Residing in a small town has it’s advantages when buying insurance coverage. Fewer drivers means fewer accidents and a lower car theft rate. City drivers tend to have congested traffic and longer commutes to work. Longer commute distances means more change of being in an accident.

Companies offer discounts so take them!

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for before you get the savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • College Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
  • Life Insurance Discount – Larger companies have better rates if you take out life insurance from them.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered in your area.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • I don’t drive much so do I pay less?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company won’t pay a claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage if my license is suspended?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for pain medications, nursing services, X-ray expenses, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, repair bills for other people’s vehicles, court costs, legal defense fees and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage

This coverage covers damage to your V70 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, rock chips in glass, hail damage, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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. Most of the time these coverages are identical to your policy’s liability coverage.

Buy Smart and Save

Cheap 1999 Volvo V70 insurance is attainable from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We’ve covered a lot of techniques to save on insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured cut collision coverage to discover at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at the best price while still protecting your assets.

Additional information is available below: