9 Ways to Save Money on Volvo C30 Insurance

Locating better insurance prices for a new or used Volvo C30 could be a lot of work, but you can use these tips and make it easy.

There is a better way to buy car insurance so you’re going to learn the quickest way to get price quotes for a Volvo and locate the best price possible from local insurance agents and online providers.

The are a couple different ways to compare prices from all the different companies. The easiest way to lower the rate you pay for Volvo C30 insurance is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • If you’re in a hurry, the quickest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate forms for every company. One form submission will get you price quotes from car insurance companies with the best prices. Just one form and you’re done.
  • Another way to get quotes online requires visiting each company’s website and fill out a new quote form. For examples sake, we’ll pretend you need rates from Auto-Owners, State Farm and Farmers. You would be required to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever method you choose, try to use the exact same coverage information for every company. If you are comparing mixed coverages it will be next to impossible to truly determine the lowest rate. Quoting even small variations in coverages could skew the results. It’s important to know that getting more free quotes will increase your chances of finding a better price.

Are you getting every discount?

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time you complete a quote, but some discounts are required to be specially asked for before you get the savings.

  • E-sign – Some of the larger companies will provide an incentive for buying your policy on the web.
  • Multiple Policy Discount – If you have multiple policies with one insurance company they may give you a discount of approximately 10% to 15%.
  • Discount for New Cars – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new model year vehicles.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Homeowners Savings – Owning your own home or condo can save a few bucks since home ownership is proof that your finances are in order.
  • Telematics Devices – Insureds that choose to allow their company to scrutinize where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Discounts save money, but please remember that most discounts do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

A partial list of companies that may offer most of these discounts may include but are not limited to:

If you want , ask each insurance company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to view insurers that can offer you the previously mentioned discounts, click here to view.

Car insurance specifics

Learning about specific coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance car insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like court costs, attorney fees, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer, hitting a bird, theft and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In the end, you save

In this article, we covered quite a bit of information on how to save on Volvo C30 insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the biggest savings come from the smaller companies.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the lowest possible cost.

There are still a few companies who may not offer online quoting and many times these small, regional companies prefer to sell through independent agents. Budget-friendly car insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection.