How to Save on Volvo C70 Insurance in Seattle

Insurance rates Volvo C70 in SeattleAre 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.

Volvo C70 Insurance Costs in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $326 $540 $254 $16 $76 $1,212 $101
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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.

Volvo C70 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $286 $540 $194 $12 $58 $1,115 $93
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Volvo C70 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $208 $364 $194 $12 $58 $836 $70
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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.Insurance discounts

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.

Seattle insurance agentsBy 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.

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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.

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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 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.

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 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.

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