2017 Volvo S60 Insurance Quotes in 2024 – 10 Tips to Save

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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Trying to find the cheapest auto insurance rates for your Volvo S60? Are you sick and tired of paying out the nose to keep your car insured? You’re in the same situation as many other vehicle owners.

Because there are so many choices, it can be hard to locate the most affordable company.

Finding the best rates is easy if you know what you’re doing. Just about everyone who is shopping for car insurance will more than likely be able to find better rates. But car owners must comprehend how insurance companies price online insurance and apply this information to your search.

How to buy insurance online

Many insurance companies such as Progressive, GEICO, Allstate and State Farm provide coverage prices on their websites. Getting quotes can be done by anyone as you simply type in your personal and coverage information as detailed in the form. After you submit the form their quoting system pulls your driving and credit reports and quotes a price based on the data you entered. This makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get the best price on insurance.

There is an easier way to compare rates

A less time-consuming method to locate the lowest prices requires only one form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online shopping much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, simply enter your zip code here and enter your information. If you currently have coverage, we recommend that you enter the coverage information exactly as shown on your declarations page. This makes sure you will get a price comparison based on identical coverages.

Do you qualify for discount insurance?

Car insurance can cost a lot, but you might already qualify for some discounts to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some must be requested specifically in order for you to get them.

  • Sign Online – Some of the larger companies will give a small break just for signing your application digitally online.
  • Good Student – Getting good grades may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates on S60 insurance.
  • Home Ownership Discount – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Claim Free – Insureds with no claims or accidents have much lower rates when compared with insureds who have frequent claims or accidents.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Having all your vehicles on one policy can get a discount on all vehicles.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.

To locate providers that have a full spectrum of discounts, enter your zip code here.

What insurance coverages do I need?

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions might point out if your situation will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • How can I find cheaper teen driver insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I rate my 2017 Volvo S60 as pleasure use or commute?
  • Am I insured when driving a different vehicle?
  • Do I need roadside assistance coverage?
  • Is upholstery damage covered by car insurance?
  • How do I buy GAP insurance?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Do you really save 40% when you switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm endlessly run television, radio, and online ads. All the companies advertise the message about how much you will save if you get a free car insurance quote and switch your coverage. How can each company give you a better price? This is the trick they use.

Companies offer their best rates for the type of driver that makes them money. For example, a desirable insured might have to be over the age of 45, owns their home, and does not commute to work. A prospective insured who matches those parameters will probably get the lowest premium rates and will probably pay quite a bit less when switching companies.

Drivers who may not quite match these criteria will see a higher rate with the end result being the customer not purchasing. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently advertise the savings. This emphasizes why you absolutely need to get a wide range of price quotes. It is just not possible to predict with any certainty which company will have the lowest rate quotes.

Car insurance coverages explained

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Liability auto insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like structural damage, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, funeral costs, surgery, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your S60 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, crashing into a ditch, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, hail damage and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volvo S60.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Affordable insurance is out there

We just covered some good ideas how to get a better price on 2017 Volvo S60 insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest premium rates are with a small local company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

The cheapest 2017 Volvo S60 insurance is available both online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have internet price quotes and many times these small, regional companies prefer to sell through independent agents.

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