Are you searching for more affordable auto insurance rates in Seattle, WA? Seattle drivers have many options when trying to find affordable Volvo C70 insurance. They can either spend hours calling around trying to get quotes or utilize the internet to compare rates.
There are more efficient ways to buy auto insurance and you need to know the proper way to compare rates on a Volvo and obtain the lowest price from both online companies and Seattle agents.
Lowering your auto insurance rates isn’t really that difficult. The only requirement is to take the time comparing rates to find the company with cheaper Seattle auto insurance quotes.
The following companies can provide comparison quotes in Washington. If several companies are displayed, we suggest you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $326 | $540 | $254 | $16 | $76 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can modify prices greatly.
Car insurance deductibles
The example below shows how different deductible levels and can change Volvo C70 annual premium costs for each different age category. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
An analysis of deductible level
One frequently asked question is how low should you set your deductibles. The rates shown below show the cost difference between low and high policy deductibles. The first price estimate table uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $286 | $540 | $194 | $12 | $58 | $1,115 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $208 | $364 | $194 | $12 | $58 | $836 | $70 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in Seattle location which can raise or lower premium rates significantly.
Based on the figures above, using a $100 deductible costs roughly $23 more each month or $276 every year than opting for the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claims, you would probably come out ahead if you opt for a higher deductible. The table below illustrates a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $93 |
| Average monthly premium for $500 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Car insurance rates based on gender
The diagram below illustrates the difference between Volvo C70 car insurance rates for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Discounts for affordable insurance quotes
Some providers do not advertise all their discounts very clearly, so below is a list a few of the more common and also the lesser-known savings tricks you should be using when you buy Seattle auto insurance online.
- Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
- Distant Student Discount – Older children who live away from home at college without a vehicle on campus may be insured at a cheaper rate.
- E-sign Discounts – A few insurance companies give back up to $50 for buying your policy on the internet.
- Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
- One Accident Forgiven – This one isn’t a discount, but a few companies such as Allstate and GEICO will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
- Buy New and Save – Putting insurance on a new C70 can save up to 30% since new model year vehicles are generally safer.
Remember that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.
Some companies that may include some of the discounts shown above include:
If you are trying to find the cheapest Volvo C70 rate quotes, ask all companies you are considering which credits you are entitled to. Some discounts may not be offered in your area. To find insurance companies that can offer you the previously mentioned discounts in Washington, click here to view.
Local agents and insurance
A small number of people just prefer to have an agent’s advice and that is recommended in a lot of cases Professional insurance agents can point out coverage gaps and will help you if you have claims. One of the benefits of comparing insurance prices online is the fact that you can find lower car insurance rates and still choose a local agent. Buying insurance from small agencies is especially important in Seattle.
By using this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who can give free rate quotes for your insurance coverage. You won’t need to do any legwork because prices are sent to you. If you wish to compare rates from a particular provider, you can always navigate to their website and fill out the quote form the provide.
If you prefer to buy insurance from a reliable insurance agency, you must know there are a couple different agency structures and how they can quote your rates. Insurance policy providers are classified as either independent agents or exclusive agents. Both types can write policy coverage, but it’s worth mentioning how they differ because it can impact the type of agent you choose.
Independent Agents (or Brokers)
These agents do not work for one specific company and that allows them to write policies through lots of different companies and help determine which has the cheapest rates. If your premiums go up, your agent can switch companies and you don’t have to switch agencies. When comparing insurance rates, it’s a good idea to check rates from multiple independent agents so that you have a good selection of quotes to compare. Most can insure with companies that do not advertise much which may have better rates.
The following is a small list of independent agents in Seattle that may be able to give you cheap rate quotes.
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map - Secord Agency Insurance
265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map - Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot give you multiple price quotes so always compare other rates. They are well trained on their products and sales techniques which helps offset the inability to provide other markets. Some people will only use the same exclusive agent partially due to high brand loyalty rather than low rates.
Shown below are Seattle exclusive insurance agents willing to provide price quote information.
- Youkie Chambers – State Farm Insurance Agent
2505 3rd Ave #120 – Seattle, WA 98121 – (206) 441-5630 – View Map - Sheila Burrus – State Farm Insurance Agent
1115 N Northgate Way – Seattle, WA 98133 – (206) 364-2210 – View Map - Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map
Deciding on an insurance agent is decision based upon more than just the bottom line cost. These are some questions your agent should answer.
- How many companies do they write for?
- Does the agency provide any after hours assistance?
- Does their agency support local causes in Seattle?
- Do the agents have professional certifications like CPCU or CIC?
- Which members of your family are coverage by the policy?
How Car Insurance Companies Determine Volvo C70 Insurance Rates
A large part of saving on auto insurance is knowing the rating factors that are used to determine your policy premiums. If you know what impacts premium levels, this enables you to make decisions that may reward you with much lower annual insurance costs. Many things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are not quite as obvious like your continuous coverage or how safe your car is.
The items below are most of the major factors used by companies to determine premiums.
- Safer cars means cheaper rates – Cars with high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.
- Where you reside plays a part – Choosing to live in a small town may provide you with better prices if you are looking for the lowest rates. Fewer drivers means reduced accidents. Drivers who live in large Washington cities regularly have much more traffic and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
- How much liability do you need? – Your policy’s liability coverage will provide protection when you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- Never have policy lapses – Allowing your auto insurance policy to lapse is a quick way to increase your rates. In addition to paying higher rates, getting caught without coverage could result in a steep fine or even jail time.
Why you need insurance for your Volvo vehicle
Even though it’s not necessarily cheap to insure a Volvo in Seattle, insuring your vehicle may not be optional for several reasons.
- The majority of states have minimum liability requirements which means you are required to carry a specific level of liability insurance in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Volvo, most lenders will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your Volvo at a much higher premium rate and require you to fork over for the much more expensive policy.
- Insurance protects both your Volvo C70 and your assets. It will also provide coverage for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your C70 more than cancel out the cost, especially when you need to use it. But the average driver in Washington overpays more than $820 a year so compare rates at every policy renewal to help ensure money is not being wasted.
Cheaper insurance rates are possible
We just covered many ways to save on Volvo C70 insurance in Seattle. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a small local company.
Consumers leave their current company for many reasons like poor customer service, not issuing a premium refund, high rates after DUI convictions or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is less work than it seems.
As you quote Seattle auto insurance, never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
Helpful resources
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Comprehensive Coverage (Liberty Mutual)
- Senior Drivers (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)