Searching for better insurance prices for a Volvo S60 can be difficult, but you can use the following methods to save time. There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to get price quotes on a Volvo and get the cheapest rates from local insurance agents and online providers.
Choosing the best insurance company for you is not rocket science. If you have a current car insurance policy or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to learn how to compare company rates on the web.
How to Get Car Insurance
Finding a lower price on insurance doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate forms to each individual car insurance company. One form submission will get you rate comparisons from car insurance companies with the best prices.It’s the quickest way to get rates.
- A harder way to shop for car insurance online is to take the time to go to the website for every company you want to comare to complete a price quote. For example, let’s say you want comparison quotes from Liberty Mutual, Farmers and GMAC. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, be sure to compare identical coverage limits on every quote. If you compare differing limits you can’t possibly determine which rate is truly the best.
Don’t pay full price with these discounts
Companies don’t necessarily list all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on car insurance. If they aren’t giving you every credit available, you are throwing money away.
- Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
- Senior Citizens – Mature drivers may qualify for a discount up to 10% on S60 insurance.
- Multiple Cars – Having all your vehicles on the same car insurance policy qualifies for this discount.
- Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
- Fewer Miles Equal More Savings – Keeping the miles down on your Volvo can qualify you for a substantially lower rate.
- Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.
Why your Volvo S60 insurance rates may be high
Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in much lower annual insurance costs.
- Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations like lawyers, business owners and accountants are shown to have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations like scientists, athletes and performers pay the least on S60 insurance.
- How’s your driving record? – Your driving citation history has a huge affect on how much you pay. Drivers with clean records have lower premiums compared to drivers with tickets. Only having one citation may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
- Drive less and save money – Driving more miles in a year the higher your rates will be. The majority of insurers apply a rate based on how the vehicle is used. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your S60 may be costing you. Verify your car insurance coverage properly reflects the proper vehicle usage, because it can save money.
- Discounts for multiple policies – Many insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount, you still need to compare rates to make sure you are getting the best deal. You may still find better rates by splitting coverages up.
Don’t be fooled by advertising claims
Drivers get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the companies say the same thing about savings if you switch to their company.
How do they all say the same thing?
All companies are able to cherry pick for the right customer that makes them money. A good example of a driver they prefer could possibly be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.
Drivers who don’t meet this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much. That’s the way insurance companies can make the claims of big savings. This illustrates why it is so important to quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.
Compare but don’t skimp
Insureds who switch companies do it for any number of reasons including policy non-renewal, high prices, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Affordable Volvo S60 insurance can be found online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and these small, regional companies work with independent agents.
We just showed you many tips how you can lower your Volvo S60 insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on car insurance is with some of the smallest insurance companies.
