How long has it been since the last time you looked for lower-priced car insurance rates in San Antonio, TX? San Antonio drivers have lots of choices when trying to find the lowest priced Volvo C30 insurance. You can either waste hours driving around getting price quotes or save time using the internet to find the lowest rates.
There is a better way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for your Volvo and locate the cheapest rates from San Antonio insurance agents and online providers.
You need to price shop coverage yearly because insurance prices are constantly changing. Just because you had the best rate on Volvo C30 insurance in San Antonio at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest way to find the best coverage while lowering your premiums.
This information will teach you a little about the most effective ways to compare rates and some money-saving tips. If you have a current auto insurance policy, you will most likely be able to save money using these methods. Drivers just need to use the most effective way to quote multiple rates from many companies at once.
The companies shown below have been selected to offer free quotes in San Antonio, TX. If the list has multiple companies, we recommend you visit several of them in order to get a fair rate comparison.
Discount San Antonio car insurance quotes
Some insurance providers don’t list the entire discount list in a way that’s easy to find, so the list below contains both well-publicized and the more hidden credits available to bring down your rates.
- Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
- Homeowners Savings – Owning a house in San Antonio can get you a discount since owning and maintaining a home requires personal responsibility.
- Pay Upfront and Save – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
- Driver’s Education for Students – Teen drivers should complete a driver education course if offered at their school.
- Club Memberships – Being in qualifying clubs or civic groups could trigger savings on your next renewal.
- Active Military Service – Having a family member in the military could mean lower car insurance rates.
It’s important to understand that most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.
The information below visualizes the comparison of Volvo C30 auto insurance rates with and without discounts applied to the premium. The information is based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-policy, and multi-car discounts applied.
Larger car insurance companies and a partial list of their discounts are:
- State Farm offers discounts for safe vehicle, multiple policy, student away at school, passive restraint, and multiple autos.
- American Family offers discounts including TimeAway discount, good student, mySafetyValet, Steer into Savings, defensive driver, and bundled insurance.
- AAA may have discounts that include multi-policy, good student, AAA membership discount, anti-theft, education and occupation, pay-in-full, and multi-car.
- GEICO may offer discounts for anti-lock brakes, multi-policy, defensive driver, anti-theft, air bags, daytime running lights, and emergency military deployment.
- Mercury Insurance offers premium reductions for professional/association, good driver, annual mileage, accident-free, and multi-policy.
- Farmers Insurance discounts include homeowner, alternative fuel, distant student, good student, bundle discounts, early shopping, and electronic funds transfer.
- Progressive has discounts for homeowner, multi-vehicle, multi-policy, good student, continuous coverage, online signing, and online quote discount.
Before purchasing a policy, check with all companies you are considering which credits you are entitled to. A few discounts may not be offered in San Antonio. If you would like to choose from a list of providers that offer some of these discounts in Texas, click this link.
Auto insurance analysis for a Volvo C30
The premium information displayed below highlights different insurance prices for Volvo C30 models. Learning a little about how insurance quotes are determined can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $252 | $492 | $358 | $22 | $108 | $1,232 | $103 |
| C30 T5 R-Design | $284 | $580 | $358 | $22 | $108 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in your specific San Antonio location which can lower or raise price quotes noticeably.
Comparison of policy deductibles
When shopping for auto insurance, a common question is how low should you set your deductibles. The figures shown below show the premium difference when you select higher and lower coverage deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| C30 T5 R-Design | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| C30 T5 R-Design | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in specific zip code location which can increase or decrease insurance rates significantly.
We can estimate from the data above that using a $100 deductible will cost you roughly $27 more each month or $324 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claims, you would more than likely save some money if you choose a higher deductible.
Price comparison of only insuring for liability
The information below compares Volvo C30 auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule to stop paying for physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s assume your Volvo C30 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your deductible. If you are paying more than $200 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some scenarios where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.
Smart Consumers Know How to Get Insurance Cheaper
It’s important that you understand the rating factors that help calculate the price you pay for insurance. If you know what influences your rates, this empowers consumers to make smart changes that may result in big savings.
The following are some of the factors used by insurance companies to determine rates.
- Do safer cars cost less to insure? – Vehicles with good safety scores can get you lower premiums. These vehicles reduce the chance of injuries and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Volvo scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
- Insure car and home with the same company – The majority of insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to check prices from other companies to ensure the best deal.
- Discounts for married couples – Your spouse can get you a discount on your insurance bill. It may mean you are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
- Raising coverage deductibles saves money – Protection for physical damage, aka comp and collision, is used to repair damage to your Volvo. A few examples of covered claims are a broken side mirror, damage caused by hail, and having your car stolen. The deductibles are the amount of money you are required to spend before your insurance pays a claim. The more damage repair cost you choose to pay out-of-pocket, the less your insurance will be.
- Cheaper prices for prior coverage – Having a lapse in insurance coverage will be a quick way to bump up your insurance costs. And not only will your rates increase, failure to provide proof of insurance might get you fines and jail time. You may have to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.
- Low mileage costs less – The higher the mileage driven in a year’s time the more you’ll pay to insure it. The majority of insurers charge rates partially by how you use the vehicle. Autos that have low annual miles can get a lower rate than vehicles that have high annual mileage. Verify your declarations sheet reflects the correct usage, because improper ratings can cost you money. A policy that improperly rates your C30 is just wasting money.
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Premiums are lower the older you get – Mature drivers have been proven to be more responsible, tend to file fewer claims, and usually have better credit. Young drivers are known to be less responsible in a vehicle so insurance rates are higher.
The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
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More performance means higher prices – The type of car you are insuring makes a significant difference in your car insurance bill. The most favorable rates tend to be for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.
The chart below uses these assumptions: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volvo C30 policy rates compared to other vehicles that have different performance risks.
When to have guidance from an insurance agent
A lot of people still prefer to get advice from a local agent and that is not a bad decision Good insurance agents can help you choose the best coverages and help in the event of a claim. The best thing about getting free rate quotes online is that you can find cheap auto insurance quotes but also keep your business local. And supporting small agencies is important especially in San Antonio.
Upon completion of this quick form, the coverage information is immediately sent to local insurance agents in San Antonio who will give competitive quotes to get your business. You won’t need to contact an agency as quotes are delivered directly to you. If for some reason you want to compare prices from a specific auto insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
If you prefer to buy auto insurance from local San Antonio agents, you need to know there are two different types of agencies that you can choose from. San Antonio agents are categorized either independent or exclusive depending on the company they work for. Either type can sell auto insurance policies, but it’s important to know the difference between them since it may influence the kind of agent you use.
Independent Agents
These type of agents can sell policies from many different companies so they have the ability to put coverage with an assortment of companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you stay with the same agent.
When comparing auto insurance rates, you need to get quotes from at least one independent agent to get the most accurate price comparison. Most can insure with lesser-known insurance companies which may have better rates.
The following are independent insurance agents in San Antonio that can possibly get you free auto insurance rate quotes.
- A.R.M. Insurance Agency
1534 W Contour Dr #101 – San Antonio, TX 78212 – (210) 828-7873 – View Map - A and A Insurance Agency
1317 Castroville Rd – San Antonio, TX 78237 – (210) 434-2311 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. They are very knowledgeable on what they offer and that can be a competitive advantage. Drivers often purchase coverage from exclusives partially due to the brand name rather than low price.
Below is a list of exclusive agents in San Antonio who can help you get rate quotes.
- Tom Fladd – State Farm Insurance Agent
9023 Huebner Rd #108 – San Antonio, TX 78240 – (210) 684-5253 – View Map - Alex Post – State Farm Insurance Agent
2602 North Loop 1604 W #108 – San Antonio, TX 78248 – (210) 479-2539 – View Map - Raul Benavides III – State Farm Insurance Agent
6900 San Pedro Ave #135 – San Antonio, TX 78216 – (210) 824-5724 – View Map
Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. Any agent in San Antonio should be willing to answer these questions.
- Are they involved in claim handling?
- Do you qualify for any additional discounts?
- What is the financial rating for the quoted company?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have a Better Business Bureau rating in San Antonio?
- Can you use your own choice of collision repair facility?
- Are they full-time agents?
Quote often and quote early
More affordable car insurance in San Antonio can be found from both online companies and also from your neighborhood San Antonio agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide price quotes online and usually these small, regional companies only sell through local independent agencies.
While you’re price shopping online, do not buy less coverage just to save a little money. There are many occasions where someone sacrificed full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
People leave their current company for any number of reasons including an unsatisfactory settlement offer, policy cancellation, extreme rates for teen drivers and even questionable increases in premium. Whatever your reason, switching car insurance companies is actually quite simple.
Additional information is located at the links below
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in San Antonio? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Rogue in San Antonio? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Fusion in San Antonio? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)