Cheapest 1996 Volvo 960 Insurance Rates in 2023
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UPDATED: May 12, 2022
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Want cheaper car insurance rates for your Volvo 960? Consumers not familiar with comparison shopping online can find finding cut-rate car insurance is more work than they anticipated.
Buying car insurance is easy if you know what you’re doing. In a nutshell, everyone who shops for car insurance will be able to reduce their rates. Although consumers must know how companies price online insurance and apply this information to your search.
How to Lower Your Insurance Cost
All major insurance companies like Allstate and Progressive provide coverage prices on their websites. This process is quite simple as you simply type in the amount of coverage you want into the quote form. Upon sending the form, their system will obtain reports for credit and driving violations and returns pricing information based on many factors.
This makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to find lower prices.
Rate comparisons made easy
The quickest way to find cheaper rates uses one form to obtain quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes price shopping online much more efficient. Once the form is submitted, it is rated and you can select any or none of the quotes returned. If you find a better price it’s easy to complete the application and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.
To compare rates using this form now, click here and submit the form. If you currently have coverage, we recommend you complete the form with deductibles and limits as close as possible to your current policy. This way, you’re receiving comparison quotes for similar insurance coverage.
How to save on 1996 Volvo 960 insurance
Car insurance companies don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance coverage.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for 960 coverage than drivers with accident claims.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
- Lower Rates for Military – Being on active duty in the military could mean lower rates.
- Senior Citizens – Mature drivers may be able to get reduced rates for 960 coverage.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
- Low Mileage – Keeping the miles down on your Volvo could be rewarded with lower rates on the low mileage vehicles.
Keep in mind that many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
To see a list of insurance companies offering insurance coverage discounts, follow this link.
Tailor your coverage to you
When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.
For example, these questions could help you determine if your situation may require specific advice.
- How many claims can I have before being canceled?
- Is a new car covered when I drive it off the dealer lot?
- How much can I save by bundling my policies?
- Am I better off with higher deductibles on my 1996 Volvo 960?
- Should I carry comprehensive and collision coverage?
- I have good health insurance, so how much medical payments coverage do I need?
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.
Educate yourself about insurance coverages
Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane, hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability auto insurance
Liability insurance can cover damage that occurs to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability can pay for things like loss of income, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.
Auto collision coverage
This pays for damage to your 960 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as funeral costs, dental work, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Quote more, save more
We’ve covered many tips how you can save on 1996 Volvo 960 insurance. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the most savings is with some of the smallest insurance companies.
Budget-conscious insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Insureds change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, extreme rates for teen drivers and even denial of a claim. No matter why you want to switch, finding a new company is not as difficult as it may seem.
More information is located at these links:
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Auto Insurance 101 (About.com)
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