2010 Volvo V70 Insurance Rates – 7 Tips for Cheapest Quotes

Trying to find low-cost insurance for your Volvo V70 can turn out to be an all-consuming task, but you can use our insurance coverage buying tips to save time.

There is a better way to buy insurance coverage and you need to know the absolute fastest way to compare rates for your Volvo and find the best price possible from local insurance agents and online providers.

It’s a great practice to do rate comparisons before your policy renews because insurance rates tend to go up over time. Even if you think you had the best deal for V70 insurance six months ago a different company probably has better rates today. Don’t believe everything you read about insurance coverage on the internet, so we’re going to give you some of the best ways to slash your insurance coverage rates.

Compare the Market for Insurance Coverage

Most major insurance companies such as Progressive, Geico, Allstate and State Farm quote insurance quotes on their websites. Getting online quotes is fairly simple as you just enter your personal and coverage information into a form. Behind the scenes, their rating system obtains your driving record and credit report and returns a price based on these and other factors.

Being able to quote online simplifies rate comparisons, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s very important to get many rate quotes in order to get a better rate.

There is an easier way!

The quickest way to find better insurance coverage pricing uses one simple form that obtains quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more efficient. Once the form is submitted, it is rated and you are able to buy any of the resulting price quotes.

If you find a better price you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To save time and find out what other companies charge, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. This way, you will get a price comparison using the same coverage and limits.

Car insurance is unique, just like you

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Should I rate my 2010 Volvo V70 as pleasure use or commute?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hitting a deer, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage will pay to fix damage to your V70 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

This provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like pain medications, chiropractic care, hospital visits, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage