Lower Your 2007 Volvo C70 Car Insurance Cost

Nobody likes paying for insurance, especially when the cost is way too high. With consumers having so many insurance companies to choose from, it is hard for the average consumer to find the cheapest company.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you will be able to save some money using these methods. Vehicle owners just need to understand the proper way to get comparison rates on the web.

Comprehensive Insurance Comparison Quotes

Most major insurance companies allow you to get coverage prices online. The process is pretty easy as you just type in the coverage amounts you desire into the quote form. Once you submit the form, their system automatically orders your credit score and driving record and quotes a price. This makes comparing rates easy, but the time required to go to several different sites and complete many quote forms can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to get the lowest price.

The smarter way to compare insurance pricing uses one simple form that gets price quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes online shopping a lot less work. Once the form is submitted, it is rated and you are able to buy any of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in coverages and limits identical to your current policy. This helps ensure you’re receiving a fair comparison for similar insurance coverage.

Best discounts on Volvo C70 coverage

Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so we break down some of the more common and the more hidden insurance coverage savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Claim Free – Claim-free drivers pay less when compared with bad drivers.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Government Employees – Active or retired federal employment can save as much as 8% for C70 insurance with certain companies.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% for C70 insurance.
  • Sign Online – Some insurance companies will give a small break simply for signing on their website.
  • Service Members Pay Less – Having a deployed family member can result in better rates.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts are:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When choosing the best car insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Which is better, split liability limits or combined limits?
  • Should I buy full coverage?
  • Should I sign the liability waiver when renting a car?
  • Can I still get insurance after a DUI?
  • If I drive on a suspended license am I covered?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Volvo C70 rate determination is complex

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

The list below includes some of the items used by your company to calculate your rates.

  • Liability insurance protects assets – The liability section of your policy provides coverage if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women are in accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Your insurance coverage rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance coverage? Careers like real estate brokers, architects and financial analysts tend to have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, occupations like actors, engineers and homemakers receive lower rates for C70 insurance.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Do you know you’re credit rating? – Credit rating is a huge factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 2007 Volvo C70 by improving your credit score.
  • Poor driving leads to higher costs – Even a single ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.

Do drivers who switch really save $455 a year?

Consumers constantly see and hear ads for car insurance savings by companies like Geico, State Farm and Progressive. They all make an identical promise of big savings if you move to them.

How can each company make the same claim? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer could be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that “sweet spot” is entitled to the best price and as a result will probably save when they switch companies.

Drivers who do not match this ideal profile will be charged higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way companies can claim big savings. That is why drivers must get as many comparisons as possible. You cannot predict which auto insurance company will give you the biggest savings on Volvo C70 insurance.

Specific coverages for a Volvo C70

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Volvo C70.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, rock chips in glass and a tree branch falling on your vehicle. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.


Liability coverage can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like attorney fees, structural damage and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, funeral costs, dental work, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your C70 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Smart consumers save more

Budget-conscious 2007 Volvo C70 insurance is definitely available on the web and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, you should never skimp on coverage in order to save money. There have been many situations where an insured cut full coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

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