2013 Volvo S60 Insurance Quotes – 9 Ways to Save

Overpriced Volvo S60 insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Comparison shopping is a great way to lower your monthly bill.

There are many insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more challenging to find the lowest cost provider.

It is always a good idea to compare prices yearly since rates fluctuate regularly. Even if you think you had the lowest price for S60 insurance a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online but we’re going to give you some of the best ways to find affordable auto insurance.

Cheap Auto Insurance Comparisons

Most major insurance companies quote prices for coverage directly from their websites. Obtaining pricing is fairly straightforward as you just type in the coverage amounts you desire into the quote form. After you submit the form their rating system sends out for credit information and your driving record and returns a price. This simplifies rate comparisons, but having to visit different websites and enter the same data into a form is monotonous and tiresome. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

An easier way to find cheaper rates makes use of a single form that analyzes rates from a bunch of companies at once. It’s a real time-saver, requires less work, and makes quoting online a lot less work. After sending your information, it is rated with multiple companies and you can pick any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly compare rates using this form now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. This makes sure you will receive a rate comparison based on the exact same insurance coverage.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but a few must be asked for before you get the savings.

  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Claim Free – Drivers with accident-free driving histories pay less compared to bad drivers.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Multi-policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Safe Drivers – Safe drivers may save up to 50% more for S60 insurance than drivers with accident claims.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • 55 and Retired – Mature drivers may be able to get better auto insurance rates for S60 insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will cut your overall premium however.

For a list of companies who offer auto insurance discounts, click here.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Is a fancy paint job covered?
  • Do I need added coverage for expensive stereo equipment?
  • What if I don’t agree with a claim settlement offer?
  • Should I put collision coverage on all my vehicles?
  • Are my friends covered when driving my car?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Can you really save that much by switching?

Insurance coverage providers like 21st Century, Allstate and State Farm consistently run ads on television and other media. They all make an identical promise of big savings if you change to them. How does each company claim to save you money?

All companies can use profiling for the type of customer they prefer to insure. An example of a preferred risk could be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for the “perfect” profile will have to pay higher premiums and this can result in business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can make those claims.

Because of the profiling, drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Volvo S60 insurance rates.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses for funeral costs, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, bail bonds, medical services and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This will pay to fix damage to your S60 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volvo S60.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Feed the piggy bank

In this article, we covered a lot of techniques to save on 2013 Volvo S60 insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from the least-expected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

Low-cost insurance is attainable from both online companies and with local insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

Additional information is located at the links below