Lower Your 2018 Volvo V60 Cross Country Car Insurance Cost in 2024

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 11, 2024

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Consumers have options when looking for the lowest priced Volvo V60 Cross Country insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to get price quotes for your Volvo and get the lowest price from both online companies and local agents.

You should take the time to compare premium rates quite often because prices tend to go up over time. Even if you got the best rates on V60 Cross Country coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the things you must know in order to find better rates and still maintain coverage.

How to get low cost insurance

Most major insurance companies provide price estimates direct online. Comparing rates online is pretty easy because you just enter the coverages you want into the form. When the form is submitted, the company’s rating system pulls your driving record and credit report and quotes a price based on these and other factors.

This makes it a lot easier to compare rates but having to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s very important to do this if you want to get the best price possible.

A quicker way to lower your insurance bill is to use a quote form that obtains quotes from a lot of companies. It saves time, requires much less work on your part, and makes online shopping much more enjoyable and efficient. As soon as the form is sent, it gets priced and you are able to buy any of the pricing results. If a lower price is quoted, you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, simply enter your zip code here and submit the form. To compare your current rates, we recommend you enter the coverages exactly as they are listed on your policy. This makes sure you will receive an apples-to-apples comparison for exact coverage.

Are you earning every discount?

Some providers don’t list all possible discounts very clearly, so we took the time to find some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

  • Homeowners Discount – Owning a house can earn you a little savings because of the fact that having a home requires personal responsibility.
  • Driver Safety – Participating in a defensive driver class could possibly earn you a 5% discount and also improve your driving technique.
  • Student in College – Any of your kids who are attending college and do not take a car to college may be able to be covered for less.
  • Early Renewal Discounts – Some insurance companies provide a discount for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Discounts for Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates on V60 Cross Country coverage than drivers with accidents.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So when it seems like you could get a free insurance policy, it’s just not the way it works.

To see providers with the best discounts, enter your zip code here.

When in doubt talk to an agent

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • How does medical payments coverage work?
  • Am I covered when driving in Canada or Mexico?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I break a side mirror?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2018 Volvo V60 Cross Country.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

Liability insurance provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers things like legal defense fees, structural damage, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

Collision insurance covers damage to your V60 Cross Country from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills such as nursing services, EMT expenses and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism, hitting a deer and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Power to the consumer

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits and learned later that it was a big error on their part. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

We just covered a lot of ways to save on 2018 Volvo V60 Cross Country insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on insurance is with a lesser-known regional company.

Insureds leave their current company for many reasons like unfair underwriting practices, being labeled a high risk driver, questionable increases in premium or even not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

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