Discover Lower Insurance Rates on a Volvo XC60

I can’t think of anyone who looks forward to paying for auto insurance, particularly when the cost is way too high. You have so many car insurance companies to pick from, and even though it’s nice to be able to choose, it makes it harder to find the best rates for your vehicles.

It’s a good idea to compare prices quite often because insurance rates go up and down regularly. Even if you think you had the lowest rates on XC60 insurance last year you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance online, so with this article, you’re going to get a lot of great tips on how to find cheap auto insurance.

Vehicle Insurance Comparison

There are multiple methods to shop for auto insurance, but there is one way that is more efficient than others. You can waste hours driving to insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Many of the larger companies participate in a marketplace where prospective buyers submit one quote, and at least one company can give them a price based on the submitted data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To compare rates now click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which insurance companies to get pricing from. So if you want to select specific providers to compare, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same quote information for each comparison quote. If you use unequal deductibles or liability limits it’s impossible to make an equal comparison.

More discounts equal less premium

Companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched both the well known and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

• Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
• College Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.
• Accident Free – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
• Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
• Low Mileage Discounts – Fewer annual miles on your Volvo could qualify for discounted rates on garaged vehicles.
• Discount for Good Grades – This discount can save 20 to 25%. The discount lasts well after school through age 25.
• Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on XC60 insurance than drivers with accidents.
• Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of insurers who offer auto insurance discounts, follow this link.

Why your Volvo XC60 might be costing you more

Smart consumers have a good feel for the factors that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to big savings.

Shown below are a partial list of the pieces used by your company to calculate prices.

• Claim-free discounts can add up – Insurance companies give discounts to people who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Multiple policies with one company can save – Some insurance companies provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to shop around to verify if the discount is saving money.
• Older drivers save more – Young drivers have a tendency to be more careless behind the wheel so they pay higher auto insurance rates. Parents adding a youthful driver to your auto insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
• Men are more aggressive – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both have accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.

Cheaper insurance is a realistic goal

Lower-priced Volvo XC60 insurance is possible on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of tips how to get a better price on Volvo XC60 insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even find the lowest rates come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.