How to Save on Seattle Volvo XC70 Insurance

Are you doing reasearch to find cheaper Volvo XC70 insurance in Seattle? Trying to find cheaper insurance for your Volvo XC70 in Washington could be difficult, but you can use the following methods and make it easy. There is a better way to find insurance online and you need to know the best way to quote coverages on a Volvo and find the cheapest rates from Seattle insurance agents and online providers.

Locating the most cost-effective insurance policy in Seattle can be easy if you know a few tricks. If you are insured now or want to find a cheaper company, use these tips to reduce the price you pay without having to cut coverage. You just need to learn the fastest way to find the lowest price over the internet.

Finding a better price on car insurance is pretty simple and can save money. All you need to do is invest a little time comparing free Seattle car insurance quotes to see which company has the cheapest Volvo XC70 rate quotes.

The following companies can provide quotes in Washington. If more than one company is shown, we recommend you compare several of them to get the best price comparison.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in your specific Seattle location which can decrease or increase auto insurance rates greatly.

Rate comparison for different deductibles

A question often asked by Seattle drivers is which deductibles should you choose. The comparison tables below may help to illustrate the cost difference when you buy lower versus higher coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can increase or decrease price quotes noticeably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $26 more each month or $312 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 29 months between claims, you would probably save some money if you opt for a higher deductible. The table below shows how you can do this calculation yourself.

Get discounts on Seattle auto insurance

Some insurers don’t always list every possible discount very clearly, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance.

• Federal Employees – Active or former government employment could cut as much as 10% off with select insurance companies.
• Paper-free Discount – Certain insurance companies may give you up to $50 for buying your policy online.
• Military Discounts – Being deployed in the military can result in better auto insurance rates.
• Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The discount lasts until age 25.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less when compared with frequent claim filers.
• Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
• Save over 55 – Mature drivers may be able to get reduced rates.
• One Accident Forgiven – Not really a discount, but a few companies such as Allstate and Progressive permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
• Discount for New Cars – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.

Discounts lower rates, but most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works.

The best auto insurance companies and their possible discounts are outlined below.

• GEICO offers discounts including emergency military deployment, multi-vehicle, daytime running lights, federal employee, driver training, and military active duty.
• Auto-Owners Insurance offers discounts for multi-policy, anti-theft, mature driver, multiple vehicles, good student, air bags, and group or association.
• American Family has savings for bundled insurance, air bags, accident-free, TimeAway discount, Steer into Savings, good student, and mySafetyValet.
• Esurance may include discounts for good student, multi-policy, renters, Switch & Save, anti-lock brakes, online quote, and good driver.
• Progressive may have discounts that include continuous coverage, homeowner, multi-vehicle, online quote discount, multi-policy, and good student.
• State Farm includes discounts for good student, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, driver’s education, student away at school, and passive restraint.
• AAA offers premium reductions for pay-in-full, AAA membership discount, good driver, multi-policy, good student, education and occupation, and multi-car.

When comparing rates, check with each insurance company which discounts can lower your rates. All car insurance discounts might not apply in Seattle. To find companies with discount auto insurance rates in Washington, follow this link.

Why you need insurance for your Volvo XC70

Despite the fact that insurance is not cheap in Seattle, maintaining insurance may be mandatory for several reasons.

First, the majority of states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage 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.

Second, if you have a lien on your vehicle, it’s most likely the lender will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Volvo at a more expensive rate and require you to fork over the higher price.

Third, insurance safeguards not only your Volvo but also your financial assets. It will also pay for medical bills incurred in an accident. Liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.

Compare rate quotes but work with a local neighborhood Seattle car insurance agent

Certain consumers still prefer to talk to an insurance agent and there is nothing wrong with that. Experienced insurance agents can point out coverage gaps and help in the event of a claim. An additional benefit of getting free rate quotes online is that you can obtain cheap insurance quotes but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your information is transmitted to local insurance agents that can give you free Seattle car insurance quotes for your coverage. You won’t even need to search for any insurance agencies as quotes are delivered instantly to you. If you have a need to compare prices from a particular provider, don’t hesitate to go to their quote page and submit a quote form there.

Choosing the best provider should include more criteria than just the bottom line cost. The following questions are important to ask.

• Does the agency have a current Errors and Omissions policy?
• Is vehicle damage repaired with OEM or aftermarket parts?
• If you raise deductibles, how much can you save?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Do you work with a CSR or direct with the agent?
• How many years have they been established?

Independent or Exclusive: It’s your choice

If you are wanting to find a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they can write your policy. Seattle agents can be categorized as either independent agents or exclusive agents depending on their employer. Either can provide insurance policies, but it’s a good idea to understand the difference between them because it can factor into buying decisions.

Exclusive Agencies

Exclusive insurance agents can only provide one company’s prices and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. They are well schooled in insurance sales which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mainly due to the brand instead of buying on price only.

Shown below is a list of exclusive insurance agencies in Seattle who can help you get comparison quotes.

• Allstate Insurance: Barry V. Hasson
  7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map
• Luan Vu – State Farm Insurance Agent
  6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map
• Raymond Insurance-Pemco and Progressive
  6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map

View more agents

Independent Agencies or Brokers

Agents that choose to be independent are not employed by one company and that is an advantage because they can write policies with many different companies and find the cheapest insurance rates. If you want to switch companies, the business is moved internally and you stay with the same agent.

When shopping rates, you absolutely need to get quotes from several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with smaller companies who may have lower rates.

Shown below are Seattle independent insurance agents that can give you comparison quotes.

• Roy Potter Insurance
  412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map
• Seattle Insurance
  2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
• Cairns Insurance Agency
  13751 Lake City Way NE #214 – Seattle, WA 98125 – (206) 368-8117 – View Map

View more agents