2017 Volvo XC60 Insurance Quotes in 2024 – 7 Tips for Cheaper Rates

Trying to find cheaper insurance rates for your Volvo XC60? No car owner likes buying insurance, especially when they are aware that they could find better prices if they shop around.

Having so many different company options, it’s nearly impossible to find the most cost effective insurance provider.

You should make it a habit to compare rates periodically because insurance prices tend to go up over time. If you had the lowest price on XC60 coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to teach you the easiest way to find lower rates on insurance.

Finding the best rates is not rocket science. Essentially every vehicle owner who is required by state law to have insurance coverage stands a good chance to be able to cut their insurance bill. Although consumers do need to learn the way insurance companies sell insurance online and use this information to your advantage.

Find discounts on car insurance

Car insurance is expensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for before you will receive the discount.

• Memberships – Belonging to certain professional organizations is a simple method to lower premiums when shopping for car insurance.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class in high school.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Bundled Policy Discount – When you have multiple policies with the same insurance company you may earn nearly 15% which can help you find low cost car insurance.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Paper-free Discount – Certain companies give back up to $50 for buying your policy on your computer.
• Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on XC60 coverage than their less cautious counterparts.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky. But any discount should help reduce your policy premiums.

Companies that may have these discounts may include but are not limited to:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

When quoting, ask each insurance company which discounts they offer. All car insurance discounts may not apply to policies in your area. To locate insurers with the best discounts, enter your zip code here.

Shop insurance coverage online

Most of the larger companies make it easy to get coverage prices directly from their websites. Getting online rates is fairly simple as you just type in your required coverages on the page. When the form is submitted, the system automatically orders your driving and credit reports and generates pricing information based on the information you submitted. This streamlines rate comparisons, but the time required to go to a lot of sites and type in the same information is a waste of time. But it’s also necessary to perform this step if you want to get better prices.

There is an easier way!

A better way to get multiple rate quotes requires only one form that obtains quotes from more than one company. It saves time, requires much less work on your part, and makes online shopping much easier. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly find out how much you can save on insurance coverage, simply enter your zip code here and fill out the form. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This helps ensure you are getting a fair comparison for similar insurance coverage.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

• If I drive on a suspended license am I covered?
• When can my company non-renew my policy?
• How much liability do I need to cover my assets?
• How much liability insurance is required?
• Do I need replacement cost coverage?
• Do I have coverage when making deliveries for my home business?
• Can I drive in Mexico and have coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I break a side mirror?
• Can I rent a car in Mexico?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volvo XC60.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, funeral costs, ambulance fees and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as theft, fire damage, hail damage and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your XC60 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

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

Affordable insurance is out there

When getting car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Some insurance companies may not provide online quoting and many times these smaller providers provide coverage only through independent insurance agencies. Cost effective 2017 Volvo XC60 insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money.