Save on 1995 Volvo 960 Insurance Quotes

Searching for better insurance prices for a Volvo 960 could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for a new or used Volvo and get the lowest price.

Smart consumers take time to check insurance coverage prices before your policy renews because prices tend to go up over time. Just because you found the best deal on 960 insurance a few years ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance coverage because I’m going to teach you the only way to save on insurance coverage.

How to Compare Insurance Quotes

All major insurance companies such as State Farm, Allstate and Geico allow you to get price estimates online. Getting online rates is pretty painless as you just type in your coverage preferences into the quote form. After you submit the form their system gets your driving and credit reports and quotes a price based on many factors.

This streamlines rate comparisons, but having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it is imperative to do this in order to find better insurance pricing.

Rate comparisons made easy

A quicker way to find cheaper rates is to use a quote form that gets price quotes from many companies. It saves time, helps eliminate reptitive entry, and makes online quotes much simpler. Immediately after you send the form, it is rated and you can choose your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you currently have coverage, we recommend you copy the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will get rate comparison quotes based on the exact same insurance coverage.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
Club Memberships – Belonging to a civic or occupational organization may earn a discount on auto insurance on 960 insurance.
Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
55 and Retired – Older drivers can possibly qualify for reduced rates on 960 insurance.
Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

It’s important to note that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that may offer these money-saving discounts include:

Double check with each company what discounts are available to you. Some discounts may not apply in every state.

Do I need special coverages?

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can help discover if you will benefit from professional help.

Which is better, split liability limits or combined limits?
What can I do if my company denied a claim?
Why am I required to get a high-risk car insurance policy?
If my pet gets injured in an accident are they covered?
Are my friends covered when driving my car?
What is the ISO rating for a 1995 Volvo 960?
Does my insurance cover my expensive audio equipment?
What are the best liability limits?
Is my teen driver covered when they drive my company car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Why your Volvo 960 insurance rates may be high

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.

Better credit means lower rates – A driver’s credit history is a large factor in your rate calculation. If your credit score is not that good, you could save money insuring your 1995 Volvo 960 by repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
Where do you drive? – The more you drive every year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your car insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your 960 may be costing you.
Protect yourself with liability coverage – Liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Your spouse saves you money – Having a wife or husband helps lower the price on your policy. It usually means you are more mature than a single person and statistics show being married results in fewer claims.
Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Volvo from damage. Examples of covered claims are running into the backend of another car, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you’re willing to pay, the less your company will charge you for insurance on 960 insurance.
Better crash test results mean better rates – Safer cars are cheaper to insure. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If the Volvo 960 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Educate yourself about insurance coverages

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, structural damage, attorney fees and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage covers damage to your 960 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, surgery and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, theft, falling objects and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Shop Smart and Save

Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, policy non-renewal, extreme rates for teen drivers and denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

Cheaper 1995 Volvo 960 insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later that the savings was not a smart move. The aim is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.