View 2015 Volvo S60 Insurance Quotes

Want the cheapest auto insurance rates for your Volvo S60? Comparison shopping for auto insurance is a challenge for people who are new to comparing rates online. Drivers have so many choices that it can turn into more work than you anticipated to find the best price.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. Shopping for affordable auto insurance coverage is easy if you know what you’re doing. Although drivers should learn how companies market insurance on the web and apply this information to your search.

Where Can I Get Cheap Auto Insurance?

The are a couple different ways to compare quotes from local auto insurance companies. By far the easiest way to find the cheapest 2015 Volvo S60 insurance rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method keeps you from doing multiple quote forms to each individual auto insurance company. One form gets you price quotes from many national carriers. It’s the fastest way to compare.
2. A less efficient way to find lower rates is to take the time to go to each company website and request a quote. For example, we’ll pretend you want to compare Allstate, Geico and GMAC. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
3. The hardest method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance of a local agent. However, consumers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits with each company. If you have unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Quoting even small variations in coverage limits could mean much higher rates. It’s important to know that obtaining a wide range of quotes helps you find a better price.

Discounts can save BIG

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at quote time, but a few need to be requested specifically before they will apply.

• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on S60 insurance than their less cautious counterparts.
• Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on S60 insurance.
• Memberships – Participating in a qualifying organization could qualify you for a break on auto insurance on S60 insurance.
• Multiple Policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.

Keep in mind that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

For a list of insurance companies with discount auto insurance rates, follow this link.

Will just any policy work for me?

When buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your situation may require specific advice.

• Do I need replacement cost coverage?
• When do I need to add a new car to my policy?
• How much liability do I need to cover my assets?
• Can I get a multi-policy discount?
• Is pleasure use cheaper than using my 2015 Volvo S60 to commute?
• When does my teenage driver need to be added to my policy?
• I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision – Collision coverage pays for damage to your S60 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, vandalism, hitting a deer and fire damage. The maximum payout a car 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 consider removing comprehensive coverage.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, medical services, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, prosthetic devices and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volvo S60.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.