2008 Volvo XC70 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Have you fallen victim to an overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy.

There are many insurers to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to get the best deal.

It’s a good habit to price shop coverage on a regular basis because insurance rates tend to go up over time. Despite the fact that you may have had the best deal for XC70 insurance a year ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online, so we’re going to give you some solid techniques on how to save money.

Impacting insurance rates for a Volvo XC70

It’s important that you understand the different types of things that come into play when calculating your car insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

The list below includes a few of the “ingredients” companies use to determine your rates.

  • Pleasure use saves money – Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your XC70 can result in significantly higher rates.
  • Don’t let your coverage lapse – Allowing your coverage to lapse will be a sure-fire way to pay more for car insurance. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Being married is a good thing – Getting married can get you a discount on your car insurance policy. It is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Volvo XC70 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Most are applied at the time of quoting, but a few must be inquired about in order for you to get them.

  • 55 and Retired – Mature drivers may qualify for reduced rates for XC70 insurance.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on car insurance for XC70 insurance.
  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy on their website.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy could earn a price break for each car.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of providers offering car insurance discounts, click here.

When should I use an insurance agent?

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining whether you could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is the rate difference between pleasure use and commuting?
  • What is UM/UIM insurance?
  • What is PIP insurance?
  • Can I make deliveries for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Volvo XC70.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 coverage pays for claims like vandalism, damage from flooding and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This pays for damage to your XC70 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, rolling your car, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, doctor visits, ambulance fees, nursing services and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Quote more, save more

Low-cost 2008 Volvo XC70 insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

Additional information can be found on the following sites:

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