View 2010 Volvo XC60 Insurance Quotes

Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers. There are many car insurance companies to choose from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

It’s a great practice to compare prices once or twice a year because rates fluctuate regularly. Just because you had the lowest price for XC60 insurance a year ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

The purpose of this post is to teach you the best way to quote coverages and some tricks to saving. If you currently have car insurance, you should be able to cut costs considerably using these techniques. Drivers just need to learn the proper way to get comparison rates online.

Compare Insurance Coverage Today

Finding lower insurance coverage rates is not rocket science. Drivers just need to take a few minutes to get quotes from different insurance companies. This can be done in several different ways.

• The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate forms to each individual insurance coverage company. One form submission will get you rate comparisons from all major companies.
• A more difficult way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want comparison quotes from Farmers, Liberty Mutual and GEICO. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
• The hardest method of comparing rate quotes is driving around to different agent offices. The internet makes this process obsolete unless you prefer the professional advice of a local agent. However, consumers can obtain prices from the web and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, make absolute certain that you use exactly the same coverage limits and deductibles for each comparison quote. If each company quotes differing limits it will be next to impossible to make a fair comparison for your Volvo XC60.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight whether you will benefit from professional help.

• How much liability coverage do I need in my state?
• What are the best liability limits?
• Should I file a claim if it’s only slightly more than my deductible?
• What can I do if my company denied a claim?
• Does coverage extend to my business vehicle?
• Is business equipment covered while in my vehicle?
• Does having multiple vehicles earn me a discount?
• What if I don’t agree with a claim settlement offer?
• I have health insurance so do I need medical payments coverage?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Educate yourself about auto insurance coverages

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, a broken windshield and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance – This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, funeral expenses, emergency aid, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Volvo XC60.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.