1998 Volvo S70 Insurance Rates

Trying to find the cheapest auto insurance rates for your Volvo S70? Finding cheaper premium rates on auto insurance could be quite difficult for beginners to comparison shopping online. With so many insurance companies available, it can easily be a real difficult job to locate the lowest premium rates.

You need to get comparison quotes before your next renewal because prices change quite often. Just because you found the lowest rates for S70 coverage last year there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to quote online to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Nevertheless, consumers must know how the larger insurance companies market on the web and use this information to your advantage.

Take policy discounts and save

Auto insurance companies don’t always publicize every discount they offer very well, so we researched some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

• Sign Online – A handful of companies will give you a small discount for buying your policy on the internet.
• Own a Home – Just being a homeowner can save you money due to the fact that maintaining a home requires a higher level of personal finance.
• Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for S70 coverage.
• Active Military Service – Having an actively deployed family member may qualify for rate reductions.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.

It’s important to understand that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.

A list of companies and the discounts they provide can be read below.

• State Farm policyholders can earn discounts including accident-free, Drive Safe & Save, multiple policy, passive restraint, and student away at school.
• Progressive has discounts for online quote discount, online signing, multi-vehicle, continuous coverage, and multi-policy.
• Travelers discounts include early quote, IntelliDrive, multi-policy, save driver, student away at school, and payment discounts.
• American Family offers premium reductions for good driver, defensive driver, mySafetyValet, TimeAway discount, and multi-vehicle.
• Liberty Mutual offers discounts including preferred payment discount, multi-car, teen driver discount, hybrid vehicle, and safety features.

Before you buy a policy, ask all the companies how you can save money. Discounts may not apply to policyholders in your area. To choose insurers that offer the discounts shown above, click here.

Compare insurance rates

Most larger insurance companies like State Farm, Geico and Progressive allow consumers to get insurance quotes online. The process is easy for anyone as you simply type in your coverage information as requested by the quote form. Once entered, their quoting system automatically orders your driving record and credit report and provides a quote based on many factors.

Quoting online helps simplify price comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find better insurance pricing.

The quickest way to locate the lowest prices uses one form that gets prices from multiple companies. The form is fast, eliminates repetitive work, and makes rate comparisons a lot less work. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

To save time and get comparison pricing now, click here and enter your information. If you currently have coverage, we recommend you duplicate the coverages identical to your current policy. This guarantees you will have a rate comparison for exact coverage.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Who is covered by my policy?
• How high should my uninsured/underinsured coverage be in my state?
• Does my insurance cover a custom paint job?
• Do I need PIP coverage since I have good health insurance?
• Should I waive the damage coverage when renting a car?
• What is the ISO rating for a 1998 Volvo S70?
• Am I covered when pulling a rental trailer?
• Am I covered when driving someone else’s vehicle?
• Will filing a claim cost me more?
• Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Volvo S70.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses such as EMT expenses, funeral costs, pain medications and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, court costs and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This covers damage to your S70 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, rock chips in glass, hitting a deer, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a Smart Shopper

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

We covered a lot of information how to reduce 1998 Volvo S70 insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from an unexpected company.

More affordable car insurance is attainable online in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance providers don’t offer online rate quotes and many times these smaller providers work with independent insurance agencies.

For more information, take a look at these articles:

• Auto Theft Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Red Light Cameras (State Farm)