Cheapest Volvo C70 Insurance in Phoenix

Would you like to save money by finding the cheapest Volvo C70 insurance in Phoenix? Tired of trying to scrape together enough money each month for insurance? You are in the same boat as millions of other vehicle owners.

A recent insurance study discovered that a large majority of drivers have purchased from the same company for at least four years, and approximately 40% of consumers have never shopped around. With the average insurance premium being $1,580, Phoenix drivers can save hundreds of dollars each year, but most just don’t grasp how much savings they would realize if they replace their high priced policy.

Due to the fact that there are so many companies and agents to choose from, it can be challenging to locate a lower cost insurance company.

Smart consumers take time to do price comparisons before your next renewal because insurance prices change frequently. Even if you think you had the lowest rates on Volvo C70 insurance in Phoenix six months ago there is a good chance you can find better premium rates now. You can find a lot of information about C70 insurance out there, but by reading this article, you’re going to learn some of the best techniques to lower your insurance premiums.

This information will introduce you to how to effectively get price quotes and also save some money in the process If you have insurance now, you will definitely be able to get lower rates using the ideas covered in this article. But Arizona vehicle owners need to learn how insurance companies price insurance differently and take advantage of how the system works.

Best companies for Volvo C70 insurance

The companies shown below offer comparison quotes in Phoenix, AZ. If more than one company is shown, it’s highly recommended you get prices from several of them in order to find the lowest rates.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can influence premium rates significantly.

Raise deductibles and save

One frequently asked question is how high or low should comp and collision deductibles be. The following tables show the differences in premium rates when you choose different insurance deductibles. The first data set uses a $100 deductible and the second rate table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific location which can influence prices greatly.

We can derive from the above data that using a $100 deductible will cost you about $24 more each month or $288 a year than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 17 months between claims, you would more than likely save some money if you decide on a higher deductible. The table below illustrates an example of how this determination is made.

One big caveat is that higher deductibles means you will have to pay more of your own money when you do file a claim. That will force you to have enough savings in order to pay the deductible.

Higher deductibles lower rates

The illustration below demonstrates how deductibles and can impact Volvo C70 insurance costs for different age groups. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.

Car insurance policy discounts you can’t miss

Some insurance providers don’t list the complete list of policy discounts very well, so below is a list some of the best known and the harder-to-find credits available to you. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Memberships – Having an affiliation with a qualifying organization can get you a small discount when getting a Phoenix auto insurance quote.
• Bundled Policy Discount – If you can combine your auto and home policy with the same insurance company you could earn a discount of approximately 10% to 15%.
• Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Phoenix Homeowners Discount – Owning a house in Phoenix can earn you a little savings because it requires a higher level of personal finance.
• Multi-Vehicle Discounts – Buying insurance for several vehicles on a single policy qualifies for this discount.
• Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
• Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from Phoenix and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because new model year vehicles have to meet stringent safety requirements.
• Federal Employees – Federal government employees could qualify for a slight premium decrease with a few car insurance companies.
• Life Insurance Discount – Not all companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.

A little note about advertised discounts, most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think it’s possible to get free car insurance, that’s just not realistic. But any discount should help reduce your overall bill.

For a list of insurers that have a full spectrum of discounts in Phoenix, click here to view.

Get Cheaper Insurance Premiums by Understanding These Factors

Many different elements are considered when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are less apparent such as your marital status and annual miles driven.

Listed below are most of the major factors auto insurance companies consider when setting premiums.

• Deter car thieves – Driving a car with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
• Companies want multiple policies – Most larger insurers apply discounts to people who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still save even more than the discount by insuring with multiple companies.
• Low credit history equals high premiums – Having a good credit score is a large factor in determining what you pay. Therefore, if your credit is not that good, you may save money insuring your Volvo C70 by spending a little time repairing your credit. Consumers who have very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings.
• Pay more for higher performance vehicles – The make and model of the vehicle you are insuring makes a huge difference in your auto insurance rates. The lowest rates will generally be found on economy passenger models, but your final cost has many other factors. Since the Volvo C70 falls in the compact car class, insurance will be the same to a little lower compared to average rates in Phoenix.
• Occupation can influence rates – Occupations like lawyers, airline pilots, and dentists tend to have higher premium rates due to intense work-related stress and long work days. On the flip side, jobs such as actors, engineers and performers pay the least.

Car insurance quotes from local neighborhood Phoenix car insurance agents

Certain consumers would prefer to get professional advice from a licensed agent and that is a smart decision One of the best bonuses of comparing rates online is that you can find lower auto insurance rates and still buy from a local agent. Putting coverage with local agencies is important especially in Phoenix.

To help locate an agent, after submitting this simple form, your coverage information is instantly submitted to local insurance agents that can give you free Phoenix auto insurance quotes for your business. It’s much easier because you don’t need to even leave your home since rate quotes are delivered directly to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you wish to get a rate quote from a specific car insurance provider, you would need to search and find their rate quote page and give them your coverage information.

If you’re trying to find a reliable agent, there are two different types of agents from which to choose. Car insurance agents in Phoenix are considered either exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

These type of agents can sell policies from many different companies so they can quote policies through lots of different companies and find you cheaper rates. If prices rise, they simply move the coverage in-house which is easy for the insured. When searching for an agent, you should always compare prices from several independent agencies to get the most accurate price comparison.

Below are independent agents in Phoenix that may be able to give rate quotes.

More Phoenix agents

Exclusive Car Insurance Agencies

Agents in the exclusive channel can only quote rates from one company and examples are Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. These agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Listed below is a list of exclusive insurance agencies in Phoenix willing to provide price quote information.

More Phoenix agents

Choosing the best car insurance agent requires you to look at more than just the quoted price. Before buying a policy in Phoenix, get answers to these questions.

• Is assistance available after office hours?
• Do they have designations such as AIC, CPCU, or CIC?
• Are aftermarket or OEM parts used to repair vehicles?
• Does the quote include credit and driving reports?
• Is there a Errors and Omissions policy in force?
• Do they receive special compensation for putting your coverage with one company over another?
• How does the company pay claims for a total loss?
• Has the agent ever had any license suspensions?

Be persistent and save

Some companies do not provide rate quotes online and usually these regional carriers only sell through independent insurance agencies. Cost effective Volvo C70 insurance is attainable online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money.

Throughout this article, we presented many tips how you can save on Volvo C70 insurance in Phoenix. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost Phoenix auto insurance quotes. Consumers may even find the biggest savings come from a smaller regional carrier. These companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm or Progressive.

To read more, feel free to visit the articles below:

• Child Safety FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Rates for High School Students in Phoenix? (FAQ)
• How Much are Phoenix Car Insurance Quotes for a GMC Sierra? (FAQ)
• What Auto Insurance is Cheapest for Teenage Females in Phoenix? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)