If you want to find the absolute lowest rates, then the best way to find cheaper Volvo XC70 insurance is to compare prices once a year from insurers who provide auto insurance in Orlando. Drivers can shop around by completing these steps.
Step 1: Get a basic knowledge of how auto insurance works and the measures you can take to prevent rate increases. Many rating factors that drive up the price such as inattentive driving and bad credit can be rectified by making minor driving habit or lifestyle changes. This article provides more information to prevent high rates and get additional discounts that may be available.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources. Begin your rate comparison
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit payment and a signed application to your new carrier. Once received, place your new certificate verifying coverage with your registration paperwork.
One bit of advice is to try to compare the same liability limits and deductibles on every price quote and and to get price quotes from as many companies as feasibly possible. This guarantees an apples-to-apples comparison and many rates to choose from.
A recent auto insurance study revealed that 70% of consumers have been with the same company for at least the last four years, and 38% of drivers have never compared rates from other carriers. The average driver in Orlando could save about 55% every year by just shopping around, but they just don’t want to shop around.
If you are insured now, you should be able to get lower rates using these techniques. Finding quotes for cheaper auto insurance coverage in Orlando is not as hard as you may think. Nevertheless, Florida consumers benefit from understanding the methods companies use to charge you for coverage because it can help you find the best coverage.
The easiest way to compare insurance rates in your area utilizes the fact all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide information like your occupation, if your license is active, how you use your vehicles, and level of coverage desired. Those rating factors is then submitted to many different companies and they return cost estimate instantly.
To find lower lower-cost Volvo XC70 insurance rates now, click here then complete the form.
The following companies provide free rate quotes in Florida. To locate cheap car insurance in Orlando, it’s a good idea that you visit two to three different companies to find the most competitive auto insurance rates.
Affordable Volvo XC70 insurance quotes in Orlando
The cost of insuring your cars can be expensive, but you may find discounts that could help you make your next renewal payment. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount.
- Military Discounts – Being deployed in the military may lower your rates slightly.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
- 55 and Retired – Seniors may qualify for better auto insurance rates.
- Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
- Discount for Home Ownership – Just being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
- Auto/Life Discount – If the company offers life insurance, you could get better auto insurance rates if you take out a life policy as well.
Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, it doesn’t quite work that way.
The illustration below compares Volvo XC70 car insurance rates with and without policy discounts. The information is based on a male driver, no claims or violations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.
A list of companies and some of the discounts can be found below.
- Progressive may include discounts for multi-vehicle, online quote discount, homeowner, multi-policy, and continuous coverage.
- AAA policyholders can earn discounts including good student, multi-policy, anti-theft, AAA membership discount, good driver, and multi-car.
- Farmers Insurance has savings for switch companies, alternative fuel, good student, bundle discounts, and multi-car.
- GEICO discounts include five-year accident-free, anti-lock brakes, membership and employees, seat belt use, military active duty, and multi-vehicle.
- Esurance may offer discounts for online shopper, defensive driver, renters, Switch & Save, and safety device.
- SAFECO offers discounts including anti-theft, drive less, bundle discounts, safe driver, teen safe driver, and teen safety rewards.
- State Farm offers premium reductions for good driver, Steer Clear safe driver discount, accident-free, multiple policy, multiple autos, student away at school, and good student.
When comparing rates, check with every insurance company to give you their best rates. Savings might not apply in every state. To view auto insurance companies that offer some of these discounts in Orlando, click this link.
Volvo XC70 detailed coverage information
The table displayed below showcases estimates of insurance policy prices for Volvo XC70 models. Having knowledge of how insurance prices are figured is important for you to make smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC70 3.2 AWD Station Wagon||$250||$402||$472||$28||$142||$1,294||$108|
|XC70 T6 AWD 4-Dr||$250||$464||$472||$28||$142||$1,356||$113|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can revise insurance rates greatly.
The chart below shows how choosing a deductible and can raise or lower Volvo XC70 yearly insurance costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Drive responsibly or pay higher rates
The information below illustrates how violations and at-fault claims can increase Volvo XC70 auto insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Full coverage rates compared to liability-only
The diagram below visualizes the comparison of Volvo XC70 auto insurance rates with full coverage compared to only the Florida minimum liability coverage. The data is based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no set rule of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Volvo XC70 replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after the deductible is paid. If it’s costing you more than $200 a year to have full coverage, then you might consider buying liability only.
There are some scenarios where only buying liability is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Get Volvo XC70 Insurance Cheaper
When buying car insurance it’s important to understand some of the elements that are used to determine car insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that can earn you lower car insurance prices. Many different elements are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, but other factors are not as apparent like your continuous coverage or your financial responsibility.
Shown below are a few of the “ingredients” that factor into your rates.
Performance impacts premiums – The performance level of the car you drive makes a huge difference in your car insurance bill. The lowest premiums are generally reserved for smaller low performance passenger vehicles, but that’s not the only thing that factors into the final price.
The following chart uses these variables: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volvo XC70 insurance premiums compared to other models that have a range of risk factors.
Your spouse saves you money – Having a wife or husband may earn you lower rates compared to being single. Marriage means you’re more responsible and insurance companies reward insureds because drivers who are married are more cautious.
Your occupation may affect rates – Jobs such as military personnel, social workers, and accountants tend to pay higher premium rates because of high stress and incredibly demanding work hours. Other occupations such as actors, athletes and homemakers have the lowest average rates.
Annual mileage impacts rates – The more miles you rack up on your Volvo in a year the higher the price you pay to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Cars that are left in the garage receive better premium rates than those used for commuting. Improper usage on your XC70 can result in significantly higher rates. It’s a smart idea to ensure your car insurance coverage reflects the proper vehicle usage, because it can save money.
Car plus home equals more savings – The majority of insurance companies give better rates to insureds that purchase more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to verify if the discount is saving money. You may still save even more than the discount by insuring with multiple companies.
Add-on coverages can add up – There are a lot of extra bells and whistles that may not really be needed on your car insurance policy. Coverages for vanishing deductibles, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem good when buying your policy, but if you don’t need them remove them and pocket the money.
Men drivers tend to cost more – Statistics show women are more cautious behind the wheel. Now that doesn’t mean males are worse at driving than females. Both sexes are responsible for at-fault accidents at a similar rate, but the male of the species have accidents that have higher claims. Men also tend to receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
The example below illustrates the comparison of Volvo XC70 yearly insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Volvo XC70 historical loss data – Insurers use statistical claims data as a way to help calculate a profitable premium price. Models that tend to have higher number or severity of losses will have higher rates. The next table illustrates the historical insurance loss data for Volvo XC70 vehicles.
For each type of coverage, the claim probability for all vehicles averaged together is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while percentage numbers above 100 point to more losses or an increased probability of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volvo XC70 Station Wagon 2WD||69|
|Volvo XC70 Station Wagon 4WD||79||70||94||45|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare prices but work with a local Orlando insurance agency
A small number of people just want to talk to a local agent and that can be a great decision A good thing about comparing rates online is that drivers can save money and get cheap insurance rates but still work with a licensed agent. Buying from local agencies is important particularly in Orlando.
To help locate an agent, after submitting this short form, your insurance coverage information is emailed to participating agents in Orlando who want to provide quotes to get your business. You never need to leave your computer because quoted prices will be sent to you. You’ll get the best rates and a licensed agent to work with. In the event you want to compare prices from a specific insurance provider, you can always go to their quote page and fill out their quote form.
Shown below are agents in Orlando willing to provide price quotes for Volvo XC70 insurance in Orlando.
- National Insurance Agencies
1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521 – View Map
- GreatFlorida Insurance – Don Greene
1300 N Semoran Blvd Suite 180 – Orlando, FL 32807 – (407) 894-6363 – View Map
- SVF Insurance LLC
1205 N Pine Hills Rd – Orlando, FL 32808 – (407) 447-2204 – View Map
- Budget Insurance Agency
5574 N Orange Blossom Trail – Orlando, FL 32808 – (321) 270-6385 – View Map
Picking the best provider is decision based upon more than just the price. Any agent in Orlando should be forthright in answering these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they feel the quoted coverages are adequate?
- Does their agency support local causes in Orlando?
- Are they able to influence company decisions when a claim is filed?
- Do they reduce claim amounts on high mileage vehicles?
- Do they regularly work with personal auto policies in Orlando?
- What discounts might you be missing?
Different people need different car insurance coverages
When buying coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your car insurance should unique, too.
These are some specific questions may help you determine whether your personal situation might need professional guidance.
- Am I covered by my spouse’s policy after a separation?
- How can I get my company to pay me more for my totaled car?
- Should I buy full coverage?
- Will I lose any money if I cancel my policy before it expires?
- Can I rent a car in Mexico?
- Are rock-chip repairs free?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Cheap auto insurance premiums are possible
We just showed you a lot of tips how to compare Volvo XC70 insurance premium rates in Orlando. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the biggest savings come from a small mutual company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.
Some companies may not provide internet price quotes and usually these regional insurance providers only sell coverage through local independent agencies. Low-cost Volvo XC70 insurance in Orlando is available from both online companies and from local agencies, and you should compare rates from both in order to have the best price selection to choose from.
Additional information is available on the following sites:
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has Cheap Car Insurance for a Subaru Outback in Orlando? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Orlando? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance for Veterans? (FAQ)
- How Much are Car Insurance Rates for Good Students in Orlando? (FAQ)
- What Insurance is Cheapest for a Nissan Sentra in Orlando? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Safety Belts FAQ (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Institute)