Save on 2018 Volvo XC60 Car Insurance Quotes in 2024

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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: May 16, 2024

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Nobody I know gets a kick out of paying for insurance, especially when they are aware that the cost is too high.

Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive lowest cost out there.

You need to take a look at other company’s rates at least once a year because prices are rarely the same from one policy term to another. Just because you found the lowest price on XC60 coverage last year you can probably find a better rate now. Ignore everything you know about insurance because it’s time to teach you the quickest way to save on insurance.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Finding affordable coverage is not that difficult. Nevertheless, drivers can benefit by having an understanding of the way companies sell online and apply this information to your search.

The best way to compare rate quotes takes advantage of the fact almost all companies will pay a fee to compare their rates. The only thing you need to do is give them some information such as what you do for a living, if the car is leased, how many miles driven, and the type of vehicles you drive. Your information is sent automatically to multiple top-rated companies and you receive quotes immediately.

Discounts to earn cheap car insurance rates

Companies don’t list all discounts in an easy-to-find place, so below is a list some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

  • Low Miles Discount – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
  • Save over 55 – If you’re over the age of 55, you may be able to get better car insurance rates on XC60 coverage.
  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease on XC60 coverage with certain companies.
  • Defensive Driver Discount – Taking part in a driver safety class is a good idea and can lower rates if you qualify.
  • Seat Belt Discounts – Requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
  • Driving Data Discount – Insureds who allow companies to monitor driving manner by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
  • Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

Some companies that may include many of the previously listed discounts include:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

When comparing rates, check with each company which discounts you qualify for. Some discounts listed above might not be offered in your area. To view companies who offer online car insurance quotes, enter your zip code here.

Why you might pay inflated rates

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but some are less apparent like where you live or how safe your car is. An important part of buying insurance is that you know some of the things that play a part in calculating insurance rates. If you have some idea of what influences your rates, this allows you to make good choices that will entitle you to lower insurance prices.

  • Experienced drivers save more – Teenage drivers are proven to be inattentive and easily distracted with other occupants in the car so they pay higher insurance rates. Parents adding a young driver onto your insurance can really hurt. Older insureds have been proven to be more responsible, are lower risk to insure .
  • Physical damage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. A few examples of covered claims could be a broken windshield, vandalism, and damage from a fallen tree branch. Your deductibles define how much you are willing to pay if the claim is covered. The higher the amount you’re willing to pay, the less your insurance will be on XC60 coverage.
  • Your career may increase prices – Occupational choices like military generals, executives and medical professionals generally have the highest average rates because of job stress and lots of time spent at work. On the other hand, professions such as professors, students and retirees get better rates on XC60 coverage.
  • Your location is a factor – Choosing to live in a rural area is a positive aspect when insuring your vehicles. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. People who live in big cities tend to have much more traffic and higher rates of accident claims. Higher commute times means a statistically higher chance of an accident.
  • Responsible credit saves on insurance – An insured’s credit score is a big factor in calculating your premium rate. Insureds with excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. So if your credit history could use some work, you could save money insuring your 2018 Volvo XC60 by improving your rating.
  • Safer cars save money – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts and lower rates for you. If your Volvo XC60 is rated at least four stars on or an “acceptable” rating on you may pay a lower rate.
  • Pleasure use or commuting – The more you drive your Volvo in a year the more it will cost to insure it. Almost all companies charge rates based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. An improperly rated XC60 is throwing money out the window. Verify your declarations sheet states annual mileage, because improper ratings can cost you money.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • Does my car insurance cover rental cars?
  • Am I better off with higher deductibles on my 2018 Volvo XC60?
  • Do I need Motor Club coverage?
  • Why do I only qualify for high-risk insurance?
  • What is UM/UIM insurance?
  • What is the minimum liability in my state?
  • Can I afford to buy a different vehicle if my 2018 Volvo XC60 is totaled?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Smaller companies may have the best rates

Insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. All the companies convey the message that drivers can save some big amount if you move to their company. Is it even possible that every company can give you a better price?

All companies have specific characteristics for the type of driver that will most likely be profitable. A good example of a driver they prefer might have to be between the ages of 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote that meets those criteria will get the preferred car insurance rates and is almost guaranteed to cut their rates substantially.

People who are not a match for these criteria will be charged higher premiums which leads to the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently state the savings. Each company has different criteria, so you absolutely need to compare as many free car insurance quotes as you can. Because you cannot predict which insurance companies will have the lowest car insurance rates for your situation.

Auto insurance coverage considerations

Having a good grasp of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Liability coverage – This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things like bail bonds, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from flooding, theft and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2018 Volvo XC60.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills such as surgery, dental work, doctor visits and chiropractic care. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your XC60 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Stretch your dollar

Low-cost 2018 Volvo XC60 insurance can be bought from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies may not provide rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

We covered a lot of ways to compare 2018 Volvo XC60 insurance premium rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the best premium rates are with a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

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