Do you want to stop overpaying and find more competitive Volvo XC60 insurance in San Diego? Tired of paying out the nose each month for insurance? You’re in the same situation as most other people in California.
Shockingly, a large majority of drivers kept their policy with the same company for at least the last four years, and nearly the majority have never shopped around. California consumers could cut their rates by nearly 35% a year just by shopping around, but they won’t spend time to find lower-cost insurance rates. Popular companies such as Allstate and Progressive increase brand awareness with fancy advertisements and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.
If you already have coverage or are looking for a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Buying the cheapest insurance in San Diego is much easier if you have a good place to start. Shoppers just need to understand the quickest method to buy insurance over the internet.
Getting a more affordable price on Volvo XC60 insurance is actually easier than you may think. You just have to spend a few minutes to compare rates to find out which insurance company has the cheapest Volvo XC60 rate quotes.
It’s so easy to compare rate quotes online that it takes the place of having to call or drive to insurance agents’ offices. Comparing Volvo XC60 insurance rates online makes this process obsolete unless you prefer the advice and guidance that can only be provided by a licensed insurance agent. However, consumers can compare online quotes but have your policy serviced through an agent.
The providers in the list below offer free quotes in San Diego, CA. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC60 3.2 2WD||$380||$686||$376||$22||$112||$1,576||$131|
|XC60 3.2 AWD||$428||$708||$508||$30||$152||$1,826||$152|
|XC60 T6 AWD AWD||$416||$792||$384||$22||$114||$1,728||$144|
|XC60 T6-R AWD AWD||$530||$996||$508||$30||$152||$2,216||$185|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in zip code location which can decrease or increase coverage rates substantially.
Violations and accidents raise rates
The illustration below shows how violations and accidents raise Volvo XC60 annual premium costs for different age groups. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Protect your Volvo XC60 and other assets
Despite the high cost, buying insurance may be required and benefits you in several ways.
First, most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your car has a loan, most banks will require you to have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Volvo for a lot more money and require you to fork over much more than you were paying before.
Third, insurance protects both your Volvo XC60 and your personal assets. It also can pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. The average driver in California is overpaying over $865 each year so it’s very important to do a rate comparison each time the policy renews to ensure rates are competitive.
Informed Consumers Can Reduce Their Insurance Prices
One of the most helpful ways to save on car insurance is to to have a grasp of the factors that go into determining the price you pay for car insurance. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with lower premium levels.
Listed below are a partial list of the pieces that factor into your rates.
Alarms and GPS tracking lower premiums – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
Discounts for multiple policies – Many car insurance companies will give a discount to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even with this discount applied, it’s still a good idea to compare Volvo XC60 rates in San Diego to guarantee you are still saving the most.There is a chance you can save even more by insuring with multiple companies.
Drive a fast vehicle and pay more – The type of car, truck or SUV you need insurance for makes a huge difference in your car insurance bill. The best insurance prices are generally reserved for lower cost passenger cars, but that’s not the only thing that factors into the final price. Because the Volvo XC60 falls in the luxury crossover class, insuring your vehicle will cost substantially more as compared to the average rate in San Diego.
Never let your coverage expire – Having a lapse in insurance coverage is a sure-fire way to increase your rates. In addition to paying higher premiums, being ticketed for driving with no insurance may result in fines or a revoked license.
File claims and pay more – Car insurance companies in California award the best rates to insureds that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for claims that you cannot pay yourself.
Gals tend to be lower risk – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Males and females cause fender benders in similar numbers, but males have costlier accidents. Not only that, but men also have more aggressive citations like driving under the influence (DUI).
Liability insurance is critical – Liability coverage is the protection if ever you are determined to be liable for damages from an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
Volvo XC60 historical loss data – Companies study historical loss data to help determine the price you pay. Models that are shown to have higher loss trends will have increased rates. The next table shows the loss history for Volvo XC60 vehicles.
For each policy coverage, the loss probability for all vehicles compiled together is considered to be 100. Percentage numbers below 100 mean the vehicle has better than average losses, while values that are above 100 indicate more frequent losses or a tendency for claims to be larger.
Car Insurance Loss Data for Volvo XC60 Models
|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|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Score discounts to get cheaper San Diego auto insurance rates
Auto insurance can be pricey, but there could be significant discounts that you may not know about. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be specially asked for in order for you to get them. If you are not receiving all the discounts available, you’re paying more than you need to.
- Savings for New Vehicles – Insuring a new XC60 can cost up to 25% less because newer models have to meet stringent safety requirements.
- San Diego Homeowners Pay Less – Owning your own home or condo can get you a discount because it means you have a higher level of financial diligence.
- Clubs and Organizations – Joining a civic or occupational organization in San Diego can get you a small discount on auto insurance.
- Defensive Driver Discount – Passing a course in driver safety could earn you a small percentage discount if your company offers it.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
- Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
- Accident Free – Insureds with no claims or accidents can earn big discounts in comparison to drivers with a long claim history.
Discounts save money, but please remember that some credits don’t apply to the whole policy. Most cut specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck.
To choose companies that have a full spectrum of discounts in California, click this link.
Your auto insurance coverage should be tailored to you
When buying the best auto insurance coverage, there really is no one-size-fits-all type of policy. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.
- How high should my medical payments coverage be?
- What is UM/UIM insurance?
- If I use my vehicle for business use is it covered?
- What happens if I owe more than my Volvo XC60 is worth?
- Does having multiple vehicles earn me a discount?
- Can I rate high risk drivers on liability-only vehicles?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.
Buying from auto insurance agents
Certain consumers prefer to go talk to an agent and there is nothing wrong with that. Professional insurance agents are highly skilled in risk management and help file insurance claims. An additional benefit of comparing rate quotes online is you can get cheaper rates and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), the coverage information is transmitted to participating agents in San Diego who will return price quotes for your auto insurance coverage. There is no reason to find an agent on your own since rate quotes are delivered directly to your email. If you have a need to get a price quote from a specific company, you would need to go to their quote page to submit a rate quote request.
Selecting an provider should include more criteria than just the premium amount. Any good agent in San Diego should know the answers to these questions.
- Are they giving you every discount you deserve?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is every driver in your family covered?
- Which companies can they place coverage with?
- Do they feel the quoted coverages are adequate?
After talking to the agent and getting positive responses to your questions and locked in a price quote, you’ve probably found an provider that will insure your vehicles. Just understand that you can always cancel your coverage whenever you wish so don’t feel you are locked into a policy with no way to switch.
One last thing to lower rates
We just showed you many tips how you can find cheaper Volvo XC60 insurance in San Diego. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates come from a lesser-known regional company.
Lower-priced car insurance in San Diego is attainable on the web as well as from insurance agents, and you should be comparing both to have the best rate selection. Some companies may not offer online rate quotes and these regional insurance providers sell through independent insurance agents.
Drivers who switch companies do it for many reasons like lack of trust in their agent, unfair underwriting practices, delays in paying claims and delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.
Helpful learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has Affordable San Diego Auto Insurance for a School Permit? (FAQ)
- How Much are San Diego Auto Insurance Rates for Good Drivers? (FAQ)
- Who Has Affordable Car Insurance for First-time Drivers in San Diego? (FAQ)
- Who Has Affordable San Diego Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)