Save on 2022 Volvo XC60 Insurance Quotes in 2024

Want cheaper car insurance rates? Drivers have options when trying to find affordable Volvo XC60 insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to find the lowest rates. There are more efficient ways to buy car insurance and you need to know the best way to quote coverages for your Volvo and get the best price possible from both online companies and local agents.

It’s a good idea to do price comparisons periodically because car insurance rates are usually higher with each renewal. Even if you think you had the best rate on XC60 coverage six months ago you can probably find a better price now. Block out anything you think you know about car insurance because it’s time to teach you how to quote online to save on car insurance.

Compare free car insurance quotes

There are a variety of methods to shop for car insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize the web to maximize your effort.

Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company then returns a price quote for coverage. This prevents consumers from doing quotation requests for every car insurance company. To compare rates now enter your zip code here.

The only drawback to using this type of form is you cannot specify which companies to get pricing from. If you prefer to choose individual companies to compare, we have a page of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.

You can use whichever method you prefer to find lower rates, just try to keep apples-to-apples coverage data for every quote you compare. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Volvo XC60.

More affordable rates by taking advantage of discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically before they will apply. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your car insurance.

• ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
• Bundle and Save – When you have multiple policies and insure them both with the same insurance company you could save 10% to 20% off each policy.
• Active Military Service – Being deployed with a military unit can result in better car insurance rates.
• Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you could save up to 5%.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save up to 15% off the medical payments premium.
• Driver Safety – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings as much as 30%.

While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

If you would like to view providers who offer car insurance discounts, enter your zip code here.

How much car insurance do I need?

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

• Is a new car covered when I drive it off the dealer lot?
• What is covered by UM/UIM coverage?
• Do all my vehicles need collision coverage?
• What are the best liability limits?
• What is roadside assistance coverage?
• Will my insurance pay for OEM parts?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, hitting a bird and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, funeral costs, EMT expenses and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volvo XC60.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability – Liability coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like emergency aid, structural damage and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.