2002 Volvo S60 Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Volvo S60? Have you had enough of being strong-armed to buy car insurance? You are no different than many other drivers. Online insurance companies like Allstate, Liberty Mutual and State Farm all promote huge savings with ad campaigns and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

If you are insured now or are just looking to switch companies, you can learn to shop for the lowest rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers only need an understanding of the proper way to find the lowest price on the web.

Get lower rates on Volvo S60 insurance

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we break down both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Bundle and Save – If you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • E-sign – Certain companies will give a small break for buying a policy and signing up digitally online.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current policy expires. It can save you around 10%.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you’re out of luck.

Insurance companies that possibly offer these benefits may include but are not limited to:

Double check with every prospective company how you can save money. Some discounts may not apply everywhere.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • What if I total my 2002 Volvo S60 and owe more than it’s worth?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need replacement cost coverage on my 2002 Volvo S60?
  • Will I lose any money if I cancel my policy before it expires?
  • What companies insure drivers after a DUI or DWI?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I pay less for low miles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills like hospital visits, nursing services, pain medications and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

This covers damage to your S60 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Liability

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as structural damage, legal defense fees, emergency aid, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, damage from getting keyed and hitting a deer. The most 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.

Be a smart shopper

When you buy insurance online, you should never reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford.

Cheaper 2002 Volvo S60 insurance is possible from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Much more information about car insurance is located at these links: