Save on 2016 Volvo S60 Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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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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Trying to find low-cost insurance for a Volvo S60 can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are more efficient ways to compare insurance rates and you need to know the quickest way to compare rates for your Volvo and obtain the lowest possible price from both online companies and local agents.

It’s a good habit to get comparison quotes quite often since insurance prices trend upward over time. Just because you had the lowest quotes on S60 insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance because it’s time to teach you one of the best ways to find lower rates on insurance.

If you have insurance now or are just looking to switch companies, you can learn to cut your premiums while maximizing coverage. Pricing more affordable insurance coverage is easy if you know what you’re doing. Drivers just need to learn the proper methods to buy insurance coverage online.

Compare quotes for car insurance

Shopping for lower car insurance rates can be exhausting if you aren’t aware of the easiest way. You can waste hours talking to agents in your area, or you could save time and use the internet to get pricing more quickly.

Many of the larger companies belong to a marketplace where insurance shoppers send in one quote, and each company provides a quote for coverage. This saves time by eliminating quotation requests for each company. To compare pricing enter your zip code here.

One minor caveat to comparing rates this way is you don’t know exactly which insurance companies you want to price. If you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click to enter zip code.

It’s up to you which method you use, but make sure you are using identical coverage limits and deductibles for each price quote. If your comparisons have differing limits you will not be able to determine which company has the best rates.

Cheap car insurance quotes with discounts

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but once in a while a discount must be specifically requested in order for you to get them. If you do not check that you are getting every discount you qualify for, you are just wasting money.

  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the web.
  • Active Service Discounts – Being on active deployment in the military could mean lower rates.
  • New Car Discount – Insuring a new car can save you some money because new vehicles are generally safer.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear for a specific time period.
  • Distant Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.

As is typical with insurance, most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

To find insurers who offer discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Am I getting all the discounts available?
  • When would I need rental car insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Is Motor Club coverage worth it?
  • Can my babysitter drive my car?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

What car insurance coverages do you need?

Learning about specific coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability insurance

This protects you from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, court costs, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, chiropractic care, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo S60.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a parking meter, sideswiping another vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a smart shopper

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal should be to find the BEST coverage at the best possible price, but do not skimp to save money.

Insureds leave their current company for a variety of reasons including policy non-renewal, delays in responding to claim requests, not issuing a premium refund and delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Cheaper car insurance is available online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies may not provide online rate quotes and many times these regional carriers sell through independent insurance agents.

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