2013 Volvo C70 Car Insurance Cost – 5 Tips to Save

Want better insurance coverage rates? Drivers have options when trying to find low-cost Volvo C70 insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage and you need to know the best way to get price quotes for a new or used Volvo and get the lowest possible price.

Consumers should take time to take a look at other company’s rates yearly because prices tend to go up over time. Just because you had the best rates for C70 insurance a year ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance coverage because you’re going to learn the best way to lower your annual insurance bill.

The best way we recommend to compare car insurance company rates is to understand most of the larger companies participate in a system to give free rates quotes. All consumers are required to do is take a few minutes to give details like whether your vehicle is owned or leased, your general credit rating, whether you are married, and types of safety features. The rating information is automatically sent to multiple companies and they respond with quotes instantly.

Are you getting all your discounts?

Companies that sell car insurance do not list all their discounts very well, so we took the time to find some of the more common and the more hidden insurance coverage savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more if you qualify.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that may offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not be offered in your area.

Tailor your coverage to you

When buying the best insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether you may require specific advice.

  • How high should deductibles be on a 2013 Volvo C70?
  • Is my custom paint covered by insurance?
  • When would I need rental car insurance?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy full coverage?
  • Do I need replacement cost coverage on my 2013 Volvo C70?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

Collision insurance will pay to fix damage to your C70 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, crashing into a building and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Volvo C70.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses such as doctor visits, funeral costs and hospital visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, fire damage and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for 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. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like medical services, pain and suffering and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Money doesn’t grow on trees

People leave their current company for many reasons like high rates after DUI convictions, unfair underwriting practices, policy cancellation or denial of a claim. Regardless of your reason, finding a new company is less work than it seems.

Cheap 2013 Volvo C70 insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.

You just learned a lot of techniques to compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the best prices are with an unexpected company.

To read more, take a look at the resources below: