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2000 Volvo S70 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.

You should make it a habit to compare prices before your policy renews because rates fluctuate regularly. Even if you got the best rates for S70 coverage last year you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

Fast and Easy Auto Insurance Quotes

Finding a better price on auto insurance is not rocket science. You just have to spend a few minutes to compare rate quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The most efficient way to find low rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for repetitive form entry for each company you want a rate for. A single, simple form gets you price quotes from auto insurance companies with the best prices.
  2. Another way to obtain and compare quotes online requires visiting each company website and complete a new quote form. For example, let’s assume you want rates from GEICO, State Farm and Progressive. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method to get comparison rates is to spend time driving to different agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you have a need for the personal advice only provided by licensed agents. It is possible to find lower rates online and get advice from an agent in your area and we’ll talk about that later.

Whichever way you use, make absolute certain that you use apples-to-apples information for each comparison quote. If the quotes have mixed coverages it will be very difficult to determine which rate is truly the best.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads that promise big savings by State Farm, Allstate and GEICO. They all make an identical promise of big savings if you move to their company.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a preferred risk could be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. A customer who fits that profile will get very good rates and therefore will save quite a bit of money when switching.

Consumers who fall outside the requirements will be quoted a more expensive rate which usually ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how insurance companies can make the claims of big savings. This emphasizes why drivers should get as many comparisons as possible. It’s impossible to know which company will have the lowest Volvo S70 insurance rates.

Volvo S70 rate determination is complex

It’s important that you understand some of the elements that help determine car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the factors companies use to determine prices.

  • Safer occupants lowers premiums – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Volvo S70 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Never allow your policy to lapse – Allowing your coverage to lapse will be a fast way to increase your car insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower rates come with age – Older drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.
  • One company can mean more discounts – Some car insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to compare other company rates to ensure the best deal.
  • Do you know your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volvo. A few examples of covered claims are collision with another vehicle, damage from fire, and windstorm damage. The deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance for S70 coverage.

Free Auto Insurance Comparison

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Take discounts and save

Companies offering auto insurance don’t always publicize all available discounts very clearly, so here is a list both well-publicized as well as the least known insurance savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurers with the best insurance discounts, follow this link.

Which policy gives me the best coverage?

When buying the best insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether or not you may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my insurance cover a custom paint job?
  • What happens if I owe more than my 2000 Volvo S70 is worth?
  • Am I covered when delivering products for my home-based business?
  • How much liability insurance is required?
  • When should I remove comp and collision on my 2000 Volvo S70?
  • What is an SR-22 filing?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism, damage from flooding and a broken windshield. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, surgery, pain medications, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This coverage covers damage to your S70 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, hitting a parking meter, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as bail bonds, attorney fees, funeral expenses, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Volvo S70.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Be Smart and Buy Smart

You just read some good ideas how to save on 2000 Volvo S70 insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

Discount insurance can be found from both online companies and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not offer online price quotes and most of the time these smaller companies sell through independent agents.

More information is available at the links below

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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