Drivers new to comparing auto insurance quotes on the web can find purchasing low cost Volvo XC60 insurance is more work than they thought.
Remarkably, a study showed that the vast majority of car insurance customers kept their policy with the same company for at least four years, and nearly 40% of drivers have never quoted car insurance rates at all. Drivers in Arizona could cut their rates by up to $730 a year by just comparing rate quotes, but they mistakenly think it’s difficult to compare rate quotes online.
It’s a good habit to compare rates before your next renewal because insurance prices change frequently. Even if you think you had the best rates on Volvo XC60 insurance in Phoenix last year other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest way to get good coverage on Volvo XC60 insurance in Phoenix at a lower rate.
Affordable companies for Volvo XC60 insurance
The providers in the list below offer free rate quotes in Arizona. If more than one company is shown, we recommend you click on several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $210 | $388 | $344 | $20 | $102 | $1,064 | $89 |
| XC60 3.2 AWD | $138 | $240 | $288 | $18 | $86 | $770 | $64 |
| XC60 T6 AWD AWD | $156 | $326 | $332 | $20 | $100 | $934 | $78 |
| XC60 T6-R AWD AWD | $324 | $548 | $254 | $16 | $76 | $1,218 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.
How high should deductibles be?
One frequently asked question is at what level do you set your deductibles. The figures shown below sum up the price difference when you choose different deductibles. The first pricing table uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $232 | $390 | $254 | $16 | $76 | $993 | $83 |
| XC60 3.2 AWD | $262 | $390 | $254 | $16 | $76 | $1,023 | $85 |
| XC60 T6 AWD AWD | $262 | $460 | $254 | $16 | $76 | $1,093 | $91 |
| XC60 T6-R AWD AWD | $292 | $460 | $254 | $16 | $76 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| XC60 3.2 AWD | $162 | $246 | $254 | $16 | $76 | $754 | $63 |
| XC60 T6 AWD AWD | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| XC60 T6-R AWD AWD | $180 | $290 | $254 | $16 | $76 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices substantially.
Using the data above, we can ascertain that using a $250 deductible will cost you roughly $23 more each month or $276 for a full year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 33 months between claim filings, you would come out ahead if you decide on a higher deductible.
Physical damage deductibles
The diagram below illustrates how your choice of deductibles and can affect Volvo XC60 insurance rates for each different age category. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
You may qualify for discounts for Volvo XC60 insurance in Phoenix
Some insurers don’t always list every discount available very clearly, so we took the time to find some of the more common and also the lesser-known discounts that may be available.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- No Accidents – Phoenix drivers who stay claim-free pay less in comparison with insureds who have frequent claims or accidents.
- College Student – Youth drivers who attend college more than 100 miles from Phoenix and don’t have a car may qualify for this discount.
- Active Military Service – Having a family member in the military may qualify for rate reductions.
- E-sign Discounts – A few larger online companies may give you up to $50 shop Phoenix auto insurance digitally online.
- Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and will qualify for a discount on a Phoenix auto insurance quote.
- Early Renewal Discounts – Some insurance companies provide a discount for switching companies before your current XC60 insurance policy expires. You may see this discount when you get Phoenix auto insurance quotes online.
You should keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free insurance policy, insurance companies wouldn’t stay in business.
Some of the insurance companies that may offer policyholders most of these discounts include:
If you need lower rates, check with each company or agent which discounts they offer. Some discounts may not be available in Phoenix. To view insurance companies that provide some of the discounts listed above in Arizona, click here to view.
Smart Buyers Can Reduce Their Insurance Premiums
Smart consumers have a good feel for the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this enables you to make decisions that can earn you lower insurance prices.
You might want pay the inexpensive policy claims yourself – Insurance companies in Arizona provide cheaper rates to insureds who are claim-free. If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Insurance coverage is intended for larger claims.
Is your car built for speed? – The performance level of the car, truck or SUV you are buying insurance for makes a big difference in your rates. The lowest premiums are usually for lower performance four cylinder passenger cars, but there are many factors that impact the final cost. Because the Volvo XC60 is classified as a luxury crossover, rates will be substantially more when compared to the average rates in Phoenix.
An insurance lapse is a bad thing – Having a gap between insurance policy dates is a fast way to bump up your insurance costs. Not only will rates go up, failure to provide proof of insurance may result in a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department to get your license reinstated.
Your car’s features help determine prices – Buying a car with an alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your car from being stolen.
Which gender costs less? – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that men are WORSE drivers than women. Both genders cause at-fault accidents in similar percentages, but males tend to have higher claims. Men also get cited for more serious violations like reckless driving and DUI.
Liability protection is cheap – The liability coverage on your policy provides coverage if you are found liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
Buy a safe car and pay less – Safe vehicles tend to be cheaper to insure. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies and thus lower rates. If your Volvo XC60 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Volvo XC60 insurance loss statistics – Insurers analyze past claim statistics to help determine prices. Vehicles that the data determines to have a trend towards higher claims will have a higher premium rate.
The table below shows the historical insurance loss data for Volvo XC60 vehicles. For each policy coverage, the claim amount for all vehicles averaged together is equal to 100. Values that are below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate frequent claims or statistically larger losses.
Volvo XC60 Insurance Loss Statistics
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volvo XC60 4dr 2WD | 79 | 74 | 70 | 60 | 53 | 55 |
| Volvo XC60 4dr 4WD | 93 | 82 | 75 | 66 | 64 | 57 |
Statistics from IIHS.org for 2013-2015 Model Years
Which is the best auto insurance?
When buying insurance from an agent or online, there really is not a cookie cutter policy. Every situation is different.
For example, these questions could help you determine if your situation might need an agent’s assistance.
- Does my car insurance cover rental cars?
- Is my nanny covered when driving my vehicle?
- How long can I keep a teen driver on my policy?
- What are the financial responsibility laws in my state?
- Can my teen driver be rated on a liability-only vehicle?
- When should I drop full coverage on my Volvo XC60?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Car insurance agents are professional risk managers
Certain consumers prefer to go talk to an agent and that is just fine! One of the great benefits of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. Supporting small agencies is still important in Phoenix.
Upon completion of this quick form, your information is transmitted to local insurance agents in Phoenix that provide free Phoenix auto insurance quotes for your coverage. You won’t need to contact an agency because prices are sent instantly to you. You can find lower rates without having to waste a lot of time. In the event you want to get a comparison quote from one company in particular, you can always jump over to their website and complete a quote there.
Choosing the best insurance company should include more criteria than just a low price. The following questions are important to ask.
- Will their companies depreciate repairs to your car based on the mileage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do the agents have professional certifications like CPCU or CIC?
- Are they involved in claim handling?
- Can you get a list of referrals?
Car insurance buyers beware
Well-known car insurance companies like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the ads convey the message that you’ll save big just by switching to their company. How can each company have lower policy pricing? This is the way they can do it.
Insurance companies require specific criteria for the driver that earns them a profit. For instance, this type of risk profile may be between the ages of 30 and 50, carries high limits, and drives a safe vehicle. Anybody that meets those criteria will qualify for the lowest premium rates in Phoenix and is almost guaranteed to save a lot on Phoenix Volvo XC60 insurance if they switch.
Insureds who may not quite match these stringent criteria may be required to pay higher rates which translates to the customer buying from a different company. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save money. This is how insurance companies can make the claims of big savings.
This really illustrates why you should compare many company’s premium rates. Because you cannot predict which company will have the lowest rate quotes.
Cover all your bases
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced full coverage and learned later that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.
Drivers who switch companies do it for a number of reasons such as questionable increases in premium, poor customer service, being labeled a high risk driver or denial of a claim. Regardless of your reason, switching companies is actually quite simple.
We covered some good ideas how to lower your Volvo XC60 insurance premium rates in Phoenix. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company.
Much more information about auto insurance in Arizona is available at the links below
- Keeping Children Safe in Crashes Video (iihs.org)
- What Auto Insurance is Cheapest for Welfare Recipients in Phoenix? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Phoenix? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)