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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 19, 2017

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Want better auto insurance rates for your Volvo V70? Shopping for the cheapest auto insurance on the internet can be intimidating for people who are new to online price comaprisons. With so many choices of insurance companies available, how can anyone possibly compare them all to find the cheapest available price?

Smart consumers take time to take a look at other company’s rates once or twice a year since rates are usually higher with each renewal. Just because you found the best rates for V70 coverage two years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the right way to get good coverage at a lower rate.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Buying affordable car insurance coverage is simple if you know the tricks. Nevertheless, car owners can benefit by having an understanding of how companies sell insurance online.

The best way to compare insurance rates in your area is to know most larger insurance companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is provide information including how much school you completed, whether you have decent credit, the make and model of your vehicles, and your occupation. That rating data is then sent to many of the top insurers and you will receive price estimates instantly to find the best rate.

To start a quote now, click here and complete the form.

Tailor your coverage to you

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Is business property covered if stolen from my car?
  • Do I have coverage when using my vehicle for my home business?
  • What is the minimum liability in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I get a multi-policy discount?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Coverage specifics

Having a good grasp of your auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision protection

Collision insurance covers damage to your V70 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for rehabilitation expenses, chiropractic care and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Volvo V70.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, falling objects, a broken windshield, hail damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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