9 Proven Ways to Lower Volvo V70 Insurance Premium

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you’re not the only one.

Insurance companies such as GEICO and Progressive persitently shower you with TV and radio ads and it is difficult to separate fact from fiction and find the best price available.

Smart consumers take time to take a look at other company’s rates every six months since insurance rates fluctuate regularly. Even if you think you had the best price for V70 insurance a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to find better rates and still maintain coverage.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is easy if you know what you’re doing. But car owners do need to understand the methods companies use to price online insurance and apply this information to your search.

These discounts can slash auto insurance rates

Auto insurance companies do not advertise all available discounts very clearly, so the following is a list of both well-publicized and the more hidden auto insurance savings.

• No Accidents – Claim-free drivers pay much less when compared to frequent claim filers.
• More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
• Multi-policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
• Defensive Driver – Taking a course in driver safety could save 5% or more if you qualify.
• Senior Citizens – Mature drivers may qualify for a discount up to 10% for V70 insurance.
• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
• Homeowners Discount – Owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

To choose companies with the best auto insurance discounts, click here.

Finding Auto Insurance

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You could waste time talking to agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Most major companies enroll in a system that enables customers to complete one form, and each company then gives them pricing based on that information. This eliminates the need for quotation requests to each individual auto insurance company.

To get comparison pricing now click here to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose the providers you want to price. So if you want to select from a list of companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverages and limits on every quote. If you compare unequal deductibles or liability limits then you won’t be able to determine the best price for your Volvo V70. Having just a slight variation in limits may result in large price differences. It’s important to know that comparing more company’s prices helps you find a better price.

When should I talk to an agent?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

• Are rental cars covered under my policy?
• Exactly who is provided coverage by my policy?
• Is my custom paint covered by insurance?
• What companies insure drivers after a DUI or DWI?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• How much liability coverage do I need in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

What is YOUR best insurance company?

In this article, we covered a lot of tips how to shop for Volvo V70 insurance online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

Budget-conscious Volvo V70 insurance can be purchased online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.