Car Insurance Rate Quotes for a Volvo XC70 in Long Beach

It’s an obvious statement that car insurance companies want to prevent you from shopping around. People who shop around once a year will, in all likelihood, switch car insurance companies because the odds are good of finding lower prices. Surprisingly, a recent survey revealed that consumers who compared prices regularly saved $70 a month compared to people who don’t make a habit of comparing rates.

If saving the most money on Volvo XC70 insurance is the reason you’re here, then having a good understanding how to get rate quotes and compare auto insurance can help you be more efficient.

The best way to get low-cost Volvo XC70 insurance in Long Beach is to regularly compare price quotes from companies in California.

• Step 1: Try to learn a little about the different coverages in a policy and the changes you can make to lower rates. Many policy risk factors that cause rate increases like speeding tickets, accidents and a not-so-good credit score can be controlled by making minor changes in your lifestyle. Continue reading for additional tips to help reduce prices and find additional discounts you may qualify for.
• Step 2: Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide prices from many different companies.
• Step 3: Compare the price quotes to your existing rates and see if there is a cheaper rate. If you can save money, ensure coverage does not lapse between policies.

A valuable tip to remember is that you’ll want to make sure you compare identical coverage information on each quote and and to compare as many companies as you can. This provides the most accurate price comparison and a complete price analysis.

Reducing your Volvo XC70 insurance rates is actually easier than you may think. Drivers just need to invest a little time getting comparison quotes from online providers.

Getting rate quotes online is very simple and it takes the place of having to call or drive to insurance agents’ offices. Comparing online rate quotes has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed Long Beach agents. It is possible with some companies obtain prices from the web but purchase the actual policy in an agency.

The following companies provide price quotes in Long Beach, CA. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Three reasons car insurance is important

Even though Long Beach XC70 insurance rates can get expensive, car insurance may be required for several reasons.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Volvo XC70 has a loan, it’s most likely the lender will force you to have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Volvo for a lot more money and make you pay the higher price.
• Car insurance preserves both your Volvo and your assets. It will also provide coverage for medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $820 a year so you should quote your policy with other companies each time the policy renews to save money.

Volvo XC70 coverage analysis

The information displayed below highlights detailed analysis of insurance policy prices for Volvo XC70 models. Knowing how insurance quotes are formulated is important to be able to make smart choices when choosing a car insurance company.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific Long Beach garaging location which can increase or decrease rates considerably.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is which deductibles should you choose. The following insurance rates can help you visualize the price difference between high and low policy deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in zip code location which can change premiums substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $54 more each month or $648 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claim filings, you would probably be better off by selecting a higher deductible.

Auto insurance premiums by gender

The diagram below shows the difference between Volvo XC70 insurance premiums for male and female drivers. The premiums are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Cheaper rates by receiving discounts

Car insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

• Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
• First Accident Forgiveness – Not really a discount, but companies like Allstate and GEICO will turn a blind eye to one accident without raising rates as long as you don’t have any claims prior to the accident.
• Accident-Free Discounts – Insureds with no claims or accidents pay less as compared to frequent claim filers.
• Club Memberships – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
• Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Long Beach car insurance with a few insurance companies.
• Good Student Discount – Being a good student can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Theft Deterrent Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less than less cautious drivers.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free insurance policy, insurance companies aren’t that generous.

The diagram below compares Volvo XC70 yearly insurance costs with and without policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California 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 multi-car, marriage, homeowner, safe-driver, multi-policy, and claim-free discounts applied.

A list of insurance companies and a selection of discounts are:

• Farmers Insurance has discounts for pay in full, business and professional, bundle discounts, mature driver, homeowner, and electronic funds transfer.
• State Farm offers discounts including passive restraint, good student, anti-theft, good driver, defensive driving training, and accident-free.
• Liberty Mutual may include discounts for good student, new vehicle discount, preferred payment discount, new move discount, teen driver discount, hybrid vehicle, and safety features.
• MetLife may offer discounts for good student, defensive driver, good driver, accident-free, claim-free, and multi-policy.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, multi-policy, and online quote discount.

When getting free Long Beach car insurance quotes, it’s a good idea to each company or agent to give you their best rates. All car insurance discounts might not apply in Long Beach. To see insurers with the best discounts in California, click this link.