2018 Volvo S60 Insurance Rates in 2024 – 7 Tips for Best Quotes

Want better car insurance rates for your Volvo S60? Getting low-cost car insurance over the internet may at first seem to be rather difficult for buying their car insurance on the internet. With such a big selection of agents and insurers to choose from, how are we expected to efficiently compare the different rates to find the best available price?

You need to do price comparisons at least once a year because car insurance prices tend to go up over time. Just because you found the lowest rates for S60 insurance last year there is a good chance you can find better rate quotes now. There is lot of inaccurate information about car insurance online but I’m going to show you some solid techniques on how to lower your car insurance premiums.

The best way to compare rates is to realize most of the bigger providers allow for online access to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details such as deductibles desired, what your job is, the make and model of your vehicles, and an estimate of your credit level. The data is then sent to many different companies and you should receive rate quotes very quickly.

Do drivers who switch really save?

Car insurance companies such as State Farm, Allstate and GEICO endlessly run ads on TV and radio. All the companies tend to make the same promise that people will save if you switch to their company. That’s great but how can every company give you a better price? You have to listen carefully.

Insurance companies have underwriting criteria for the type of insured they prefer to insure. A good example of a profitable risk profile may be between the ages of 30 and 45, insures multiple vehicles, and has a short commute. Any driver who fits those characteristics will get the preferred rates as well as cut their rates substantially.

Consumers who fall short of these stringent criteria may be forced to pay higher premium rates which results in business not being written. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully make the claims of big savings.

This emphasizes why you really should get auto insurance quotes from several different companies. Because you never know with any certainty which company will provide you with the cheapest auto insurance rates.

Don’t overlook these seven insurance discounts

Insurance is not inexpensive, but there could be significant discounts that could drop your premiums quite a bit. Some trigger automatically when you get a quote, but some must be requested specifically before being credited.

• No Claim Discounts – Claim-free drivers get the best insurance rates as compared to frequent claim filers.
• Include Life Insurance and Save – Select insurance carriers reward you with a break if you buy some life insurance in addition to your auto policy.
• Student Driver Training – Teen drivers should enroll and complete driver’s education if it’s offered in school.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off for S60 insurance with a few insurance companies.
• Multiple Policy Discount – If you combine your auto and homeowners policies with the same insurance company you will save up to 20% off your total premium.
• Driving Data Discount – Drivers that enable their company to track vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they are good drivers.
• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Larger insurance companies and a partial list of their discounts are shown below.

• State Farm has savings for multiple autos, defensive driving training, Steer Clear safe driver discount, accident-free, good driver, and Drive Safe & Save.
• Esurance offers discounts including online quote, good driver, anti-lock brakes, DriveSense, and claim free.
• Progressive may offer discounts for online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
• Liberty Mutual offers premium reductions for safety features, hybrid vehicle, preferred payment discount, new graduate, teen driver discount, multi-policy, and new move discount.
• Auto-Owners Insurance may include discounts for mature driver, anti-lock brakes, company car, group or association, air bags, and teen driver.
• GEICO policyholders can earn discounts including membership and employees, multi-vehicle, driver training, seat belt use, daytime running lights, defensive driver, and multi-policy.

When comparing rates, check with all companies you are considering the best way to save money. All car insurance discounts might not be offered on policies everywhere. To locate insurers with discount insurance rates, enter your zip code here.

When to get professional advice

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

• Is upholstery damage covered by car insurance?
• Does my insurance cover a custom paint job?
• Am I covered when pulling a rental trailer?
• How do I buy GAP insurance?
• Is my teenager covered with friends in the car?
• Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Auto insurance coverages

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, ambulance fees, doctor visits and pain medications. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage will cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid, legal defense fees, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision coverage

Collision coverage covers damage to your S60 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage will pay to fix 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 coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, hitting a deer, vandalism and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2018 Volvo S60.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Affordable insurance is out there

When searching for cheaper auto insurance quotes, do not reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, being labeled a high risk driver and high rates after DUI convictions. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

We just presented some good ideas how to shop for 2018 Volvo S60 insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the lowest rates are with the smaller companies.