2012 Volvo S60 Car Insurance Quotes – 8 Discounts for Best 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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Looking for cheaper insurance rates for your Volvo S60? Nobody looks forward to buying insurance, especially knowing they are paying too much. Insurance companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with fancy advertisements and it can be hard to see through the deception and find the best price available.

If you have a policy now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers only need to know the tricks to compare price quotes over the internet.

How to save on Volvo S60 insurance

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically at quote time, but lesser-known reductions have to be asked for before they will apply. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drive Safe and Save – Safe drivers may save up to 50% more for S60 insurance than drivers with accident claims.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Homeowners Pay Less – Owning a home may trigger a insurance policy discount because maintaining a house demonstrates responsibility.

Consumers should know that some credits don’t apply the whole policy. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But all discounts will help reduce the amount you have to pay.

To see a list of insurers with discount insurance rates, click here to view.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Can I afford low physical damage deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving a rental car?
  • Is my state a no-fault state?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance ads bend the truth

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Allstate and Progressive. They all have a common claim that you’ll save big if you change your policy.

How do they all claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a desirable insured might be profiled as between 25 and 40, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save a lot of money.

Drivers who don’t qualify for the “perfect” profile will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully claim big savings.

Because of the profiling, drivers should get a wide range of price quotes. Because you never know which insurance companies will provide you with the cheapest Volvo S60 insurance rates.

Specific coverages for a Volvo S60

Knowing the specifics of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by car insurance companies.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass, a broken windshield and theft. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for ambulance fees, nursing services and surgery. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2012 Volvo S60.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision insurance pays for damage to your S60 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, 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 – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, structural damage, medical expenses, funeral expenses and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

And the best car insurance company is…

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

We’ve covered a lot of information how to reduce 2012 Volvo S60 insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Progressive and GEICO.

Discount insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

More detailed insurance information can be found in the articles below:

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