Cheapest Rates for Volvo XC70 Insurance in Philadelphia

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Insurance for Volvo XC70Want to save money and find cheaper Volvo XC70 insurance in Philadelphia? There isn't a single person who loves paying for auto insurance, in particular when the cost is too high.

Unbelievable but true according to a study 70% of consumers have purchased from the same company for a minimum of four years, and 38% of drivers have never compared rates from other carriers. Drivers in Philadelphia could pocket about $690 a year, but most undervalue how much they could save if they bought a different policy. There are many insurers to pick from, and even though it's nice to have a choice, it can be more difficult to locate the cheapest rates for Volvo XC70 insurance in Philadelphia.

You should make it a habit to get comparison quotes before your next renewal because auto insurance prices are usually higher with each renewal. If you had the lowest quotes on Volvo XC70 insurance in Philadelphia at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the best methods to lower your rates without sacrificing coverage.

Our objective is to introduce you to how to effectively get price quotes and how to save the most money. If you currently have car insurance, you should be able to get lower rates using the concepts covered in this article. Comparison shoppers only need to know the most efficient way to find the lowest price from many different companies online.

Discounts can help lower rates on Volvo XC70 insurance in Philadelphia

The price of auto insurance can be rather high, but there could be significant discounts to help offset the cost. Certain credits will be shown when you purchase, but less common discounts must be asked for before you will receive the discount. If they aren't giving you every credit you deserve, you may be paying too high a price.

  • Seat Belt Discounts - Forcing all vehicle occupants to use their safety belts could cut 10% or more off the medical payments premium.
  • Employee of Federal Government - Simply working for the federal government may reduce rates when you quote Philadelphia auto insurance with certain companies.
  • Driver's Education for Students - Have your child successfully take a driver's education course in high school.
  • Good Student - Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • Renewal Discounts - Some larger companies give discounts for buying a policy early. It could save around 10% when you buy Philadelphia auto insurance online.
  • Distant College Student Discount - Any of your kids who live away from home at college and won't have access to an insured vehicle could get you a discount.
  • Philadelphia Homeowners Discount - Owning a home in Philadelphia may earn you a small savings because owning a home requires a higher level of personal finance.
  • Theft Prevention System - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

Please keep in mind that most credits do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it's possible to get free car insurance, you aren't that lucky.

The illustration below shows the difference between Volvo XC70 insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.

Larger insurance companies and some of the discounts can be read below.

  • GEICO has discounts for membership and employees, multi-vehicle, anti-lock brakes, good student, and military active duty.
  • SAFECO may have discounts that include teen safety rewards, homeowner, safe driver, bundle discounts, and accident prevention training.
  • State Farm includes discounts for good driver, multiple policy, Drive Safe & Save, passive restraint, anti-theft, multiple autos, and good student.
  • MetLife offers discounts for good student, accident-free, good driver, claim-free, defensive driver, and multi-policy.
  • 21st Century offers discounts including defensive driver, homeowners, early bird, theft prevention, student driver, and air bags.
  • Progressive offers premium reductions for online quote discount, homeowner, multi-vehicle, continuous coverage, good student, and multi-policy.

When getting free Philadelphia auto insurance quotes, it's a good idea to all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies everywhere.

The best way we recommend to compare insurance rates in your area is to understand almost all companies allow for online access to quote your coverage. The only thing you need to do is provide information like whether you have decent credit, whether the vehicles are used for commuting, if you're married, and the make and model of your vehicles. That rating information is sent automatically to insurance carriers in your area and they respond with quotes with very little delay.

To get price quotes for your Volvo XC70 now, click here and complete the form.

The following companies can provide price quotes in Pennsylvania. If multiple providers are shown, we recommend you get rate quotes from several of them to find the most competitive car insurance rates.

Detailed insurance information

The table below covers different insurance costs for Volvo XC70 models. Learning a little about how premiums are established can be valuable when making informed decisions when comparing rates.

Volvo XC70 Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $220 $390 $502 $30 $150 $1,292 $108
XC70 T6 AWD 4-Dr $220 $450 $502 $30 $150 $1,352 $113
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in Philadelphia location which can alter price quotes significantly.

Higher deductibles save money

One of the hardest decisions when shopping for insurance is what deductibles to buy. The comparisons below may help you to understand the differences in premium rates when you choose different physical damage coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Volvo XC70 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $356 $602 $372 $22 $112 $1,489 $124
XC70 T6 AWD 4-Dr $356 $694 $372 $22 $112 $1,581 $132
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Volvo XC70 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $260 $408 $372 $22 $112 $1,174 $98
XC70 T6 AWD 4-Dr $260 $468 $372 $22 $112 $1,234 $103
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can modify insurance rates noticeably.

Based on the above data, using a $100 deductible will cost you roughly $27 more each month or $324 a year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go more than 15 months between claims, you would probably come out ahead by selecting a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $128
Average monthly premium for $500 deductibles (subtract): - $101
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that a higher deductible level means you will have to pay more of your own money when you have to file a claim. That will necessitate enough extra savings in the event you have to pay the deductible for vehicle repair.

The diagram below illustrates how choosing a deductible and can impact Volvo XC70 insurance prices for different age categories. The data is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Does it make sense to buy full coverage?

The information below shows the difference between Volvo XC70 yearly insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

When to stop buying physical damage coverage

There is no clear-cut rule of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's say your Volvo XC70 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

Lower Your Philadelphia Insurance Prices

Smart consumers have a good feel for some of the factors that come into play when calculating your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that will entitle you to lower premium levels.

  • Costs are impacted by vehicle performance - The make and model of the vehicle you need insurance for makes a big difference in how high your rates are. The best insurance prices tend to be for low performance passenger cars, but your final cost has many other factors.

    The following chart uses these variables: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Volvo XC70 insurance rates compared to other makes and models that have different risk factors.

  • Improve your credit history - A driver's credit history is a big factor in calculating your premium rate. Drivers who have very good credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. If your credit score could use some work, you could pay less to insure your Volvo XC70 if you improve your credit rating.
  • Multiple policies with one company - The majority of insurance companies allow a discount to clients who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, you may still want to compare other company rates to help ensure you have the lowest rates.There is a good possibility that you can save more without the discount by buying from different companies
  • Driving citations increase rates - Attentive drivers have lower premiums compared to drivers with tickets. Having a single ticket may increase your cost by as much as thirty percent. Drivers unfortunate enough to have license-revoking violations like reckless driving or DUI may find they need to submit a SR-22 form with their state in order to legally drive a vehicle.

    The information below illustrates how speeding tickets and at-fault accidents can affect Volvo XC70 yearly insurance costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

  • Extra coverages can add up - There are a lot of extra bells and whistles you can purchase on your insurance policy. Insurance for things like rental car coverage, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but if you don't need them remove them and pocket the money.
  • Maintain insurance coverage - Driving without insurance coverage in place can get your license suspended and insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with the Pennsylvania motor vehicle department.
  • Don't abuse insurance claims - Insurance companies in Pennsylvania provide better rates to people who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Deter theft and save money - Driving a car with an alarm system can help lower your premiums. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.
  • Volvo XC70 claim statistics - Car insurance companies factor in historical loss data to calculate a price that offsets possible losses. Models that have higher number or severity of losses will cost more to insure. The information below illustrates the historical loss data for Volvo XC70 vehicles.

    For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, equals 100. Values that are 100 or less suggest a positive loss record, while numbers above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

    Volvo XC70 Insurance Claim Statistics
    Specific Volvo Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Volvo XC70 Station Wagon 2WD 69
    Volvo XC70 Station Wagon 4WD 79 70 94 45

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It's not one size fits all

When it comes to buying a policy, there is no cookie cutter policy. Everyone's situation is unique.

These are some specific questions may help highlight if you might need professional guidance.

  • What is the ISO rating for a Volvo XC70?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Is business equipment covered while in my vehicle?
  • Am I covered if my car is in a flood?
  • Is my babysitter covered when using my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving a rental car?
  • Am I covered if hit by an uninsured driver?

If you can't answer these questions but one or more may apply to you then you might want to talk to an agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

Comparing rates from local Philadelphia car insurance agents

Some consumers would prefer to visit with an insurance agent and there is nothing wrong with that. Good insurance agents will help you protect your assets and give you someone to call. A good thing about getting free rate quotes online is that you can obtain lower rates but also keep your business local. And buying from neighborhood insurance agencies is especially important in Philadelphia.

Find insurance agent in PhiladelphiaTo find an agent, once you fill out this form (opens in new window), the quote information is transmitted to insurance agents in Philadelphia that provide free Philadelphia auto insurance quotes for your business. You never need to find an agent as quotes are delivered immediately to you. If you want to quote rates from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Listed below are Philadelphia insurers that are able to give price quote information for Volvo XC70 insurance in Philadelphia.

7100 Cresheim Rd - Philadelphia, PA 19119 - (215) 753-7770 - View Map

7208 Ogontz Ave - Philadelphia, PA 19138 - (215) 549-4900 - View Map

619 E Girard Ave - Philadelphia, PA 19125 - (215) 425-7640 - View Map

617 S 18th St - Philadelphia, PA 19146 - (215) 545-9500 - View Map

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Finding a good insurance company should depend on more than just the premium amount. Any good agent in Philadelphia should know the answers to these questions.

  • Does the agent help file claims?
  • How many companies do they write for?
  • What is the financial rating for the quoted company?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If they are an independent agency in Philadelphia, which companies do they recommend?

Once you have good feedback and inexpensive Volvo XC70 insurance in Philadelphia quotes, you may have just found a company that meets your needs to properly service your auto insurance policy.

Protect more than your Volvo vehicle

Despite the high insurance cost for a Volvo XC70 in Philadelphia, maintaining insurance may be required for several reasons.

  • Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection in order to drive the car legally. In Pennsylvania 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.
  • If your Volvo has a lienholder, almost every bank will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Volvo at an extremely high rate and require you to pay the higher premium.
  • Insurance safeguards both your vehicle and your personal assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance outweigh the cost, particularly for liability claims. But the average American driver is currently overpaying as much as $850 per year so compare rates at every policy renewal to ensure rates are competitive.

You can lower your auto insurance rates

Low-cost Volvo XC70 insurance in Philadelphia can be purchased from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide online rate quotes and these small, regional companies sell through local independent agencies.

When shopping online for auto insurance, don't be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best price, but do not skimp to save money.

We just presented many ways to shop for Volvo XC70 insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the biggest savings come from the least-expected company.

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