Cheapest Rates for Volvo XC70 Insurance in Philadelphia

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.

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.

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.

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.

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 RdPhiladelphia, PA 19119(215) 753-7770View Map

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

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

617 S 18th StPhiladelphia, PA 19146(215) 545-9500View 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.

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.

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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