Save Money on Volvo XC70 Insurance in San Antonio

Consumers who just recently started shopping for insurance online can find sourcing the cheapest Volvo XC70 insurance in San Antonio to be a formidable task.

It goes without saying that insurance companies don’t want you to compare rates. Drivers who shop for lower rates are very likely to switch car insurance companies because they have good chances of finding good coverage at a lower price. Remarkably, a study showed that drivers who regularly compared rates saved on average $865 annually as compared to drivers who never compared rates.

If finding the cheapest rates on auto insurance is your intention, then having some knowledge of how to choose a company and compare car insurance can save time and money.

It’s a good habit to quote other rates periodically because prices change frequently. Even if you got the lowest rates on Volvo XC70 insurance in San Antonio two years ago other companies may now be cheaper. You can find a lot of misleading information regarding XC70 insurance online but by reading this article, you’re going to learn some proven techniques to lower your car insurance rates in San Antonio.

The are a couple different ways of comparing rate quotes from many different Texas insurance companies. The best method to lower the rate you pay for Volvo XC70 insurance is to get quotes online.

When comparison shopping, comparing more quotes increases your odds of finding better pricing.

The providers in the list below offer price comparisons in San Antonio, TX. If several companies are displayed, we recommend you get price quotes from several of them in order to find the most affordable rates.

Affordable Volvo XC70 insurance quotes in San Antonio

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Some discounts will apply when you get a quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.

• Good Driver Discount – Safe drivers can save up to 40% or more on their San Antonio auto insurance quote compared to accident prone drivers.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
• Policy Bundle Discount – If you combine your auto and homeowners policies with one company you could save up to 20% and get you affordable Volvo XC70 insurance rates in San Antonio.
• Waiver for an Accident – This isn’t a discount exactly, but some insurance companies may permit one accident before your rates go up so long as you are claim-free prior to being involved in the accident.
• Air Bag Discount – Options like air bags or motorized seat belts can receive discounts up to 30%.
• Discounts for New Vehicles – Insuring a new XC70 can save up to 30% compared to insuring an older model.
• Telematics Discount – Policyholders that allow driving data submission to monitor vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.
• Professional Organizations – Belonging to a qualifying organization is a good way to get lower rates on your policy.
• Accident Free – Good drivers with no accidents pay less when compared to policyholders that have many claims.
• Save over 55 – If you’re over the age of 55, you could receive lower premium rates.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky.

The chart below illustrates the comparison of Volvo XC70 car insurance costs with and without policy discounts. The prices are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-car, and multi-policy discounts applied.

To view insurance companies with discount rates in San Antonio, click this link.

Volvo XC70 insurance coverage information

The premium information shown below outlines a range of policy rates for Volvo XC70 models. Learning more about how auto insurance prices are established can be valuable when making smart choices when choosing a car insurance company.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can modify prices noticeably.

Physical damage deductibles: Should you raise them?

When buying insurance, a common question is the level to set your comp and collision deductibles. The comparison tables below may help you to understand the rate fluctuation between low and high deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific San Antonio garaging location which can alter price quotes greatly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $33 more each month or $396 for a full year than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 23 months between claim filings, you would save more money if you elect the higher deductible.

The illustration below illustrates how choosing a deductible and can increase or decrease Volvo XC70 insurance rates for each different age category. The information is based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Poor driving habits will raise your insurance rates

The illustration below highlights how traffic violations and at-fault accidents can impact Volvo XC70 insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Lower Your San Antonio Insurance Rates

Consumers need to have an understanding of some of the factors that help calculate your premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to cheaper rates. Many different elements are used when pricing auto insurance. Some factors are common sense such as your driving record, but some are not quite as obvious like your continuous coverage or your commute time.

The following are a few of the things insurance companies consider when setting your premiums.

• Eliminate extra policy coverages – There are a lot of extra coverages that you can get tricked into buying but may not be useful. Things like rental car coverage, accident forgiveness, and motor club memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but if you don’t need them eliminate them to save money.
• Insurance policy lapses raise rates – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
• How much liability insurance – The liability section of your policy is the protection if ever you are found liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• High comp and collision deductibles lower premiums – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. A few examples of covered claims are a broken side mirror, collision with an animal, and damage caused by flying debris. The deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The more of the claim you’re willing to pay, the lower your rates will be.
• More people means more accidents – Having an address in smaller towns and rural areas of the country is a positive aspect when talking about insurance. People in densely populated areas tend to have more aggressive driving styles and much longer commute distances. Less people translates into fewer accident claims and also fewer theft and vandalism claims.

• Insurance premiums are higher for high performance vehicles – The performance level of the car or truck you are trying to find cheaper insurance for makes a big difference in your premium level. The cheapest insurance rates are usually for small economy passenger cars, but many other things help determine your insurance rates.

  The data below assumes a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Volvo XC70 car insurance rates compared to other makes and models that have different performance risks.

• Premiums are high for teenagers – Older drivers have been proven to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Teenage drivers are proven to be careless and easily distracted in a vehicle so insurance rates are higher.

  The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Insurance loss data for a Volvo XC70 – Insurers include the past claim history for a vehicle to calculate a price that offsets possible losses. Models that tend to have higher number or severity of losses will be charged more to insure.

  The next table illustrates the insurance loss data for Volvo XC70 vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Values below 100 suggest a positive loss record, while values that are 100 or greater indicate frequent claims or a tendency for losses to be larger than average.

  
  

  Car Insurance Loss Data for Volvo XC70 Models

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Compare rates but buy from a local San Antonio insurance agency

Some consumers just want to sit down with an agent and that is recommended in a lot of cases The best thing about comparing insurance prices online is that drivers can save money and get the best rates but still work with a licensed agent. Buying from neighborhood agents is definitely important in San Antonio.

To help locate an agent, after submitting this form (opens in new window), your coverage information is transmitted to local insurance agents in San Antonio that can give you free San Antonio auto insurance quotes to get your business. You never need to leave your house because quoted prices will be sent straight to your inbox. Get lower rates and an insurance agent to talk to. If for some reason you want to compare rates from a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Finding a good company requires you to look at more than just a cheap quote. Get answers to these questions too.

• Which family members are covered?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Where would glass claims be handled in San Antonio?
• Are they giving you every discount you deserve?
• Is there any savings for paying the full premium?

After talking to the agent and getting good answers to all your questions in addition to an acceptable price estimate, it’s possible that you found an insurer that meets the criteria to properly insure your vehicles.

Tailor your car insurance coverage to you

Always keep in mind that when comparing proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that
For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Do I need replacement cost coverage?
• What does UM/UIM cover?
• How much will a speeding ticket raise my rates?
• What is the minimum liability in Texas?
• Am I covered when driving a rental car?
• Does my Volvo XC70 qualify for pleasure use?
• When should I buy a commercial auto policy?
• Is pleasure use cheaper than using my Volvo XC70 to commute?
• Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Quote more and you will save more

Affordable Volvo XC70 insurance in San Antonio can be purchased online and also from your neighborhood San Antonio agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not offer price quotes online and most of the time these small, regional companies only sell through independent agents.

We covered many ways to reduce Volvo XC70 insurance premium rates online in San Antonio. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Even more information is located in these articles:

• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Who Has Cheap San Antonio Car Insurance Rates for a Toyota Highlander? (FAQ)
• Who Has Cheap Car Insurance Rates for a Honda Civic in San Antonio? (FAQ)
• Who Has Cheap Car Insurance for Active Military in San Antonio? (FAQ)
• Help Your Teen Be a Better Driver (State Farm)
• Shopping for a Safe Car (Insurance Information Institute)