Searching for more competitive Volvo XC70 insurance in San Diego? Finding cheaper premium rates for Volvo XC70 insurance in San Diego can seem to be challenging for people new to buying insurance online. People have so many options that it can easily become a burden to find better prices on Volvo XC70 insurance.
Unbelievable but true, about 70% of customers have remained with the same car insurance company for at least four years, and about 40% of consumers have never compared quotes from other companies. The average driver in the U.S. could save themselves $850 a year, but they don’t understand how simple it is to find cheaper car insurance rates.
It’s a great practice to check car insurance prices before your policy renews because car insurance prices fluctuate regularly. Just because you found the best deal on Volvo XC70 insurance in San Diego two years ago you can probably find a better rate quote now. You can find a lot of misleading information regarding XC70 insurance on the web, but you can learn some excellent ideas to find affordable car insurance in San Diego.
When looking for low cost San Diego car insurance quotes, there are a couple ways to compare quotes from insurance companies in your area. The best way to compare rates consists of obtaining rate quotes online.
When comparing insurance rates, know that having more price comparisons helps increase your odds of locating more affordable insurance.
The car insurance companies shown below are ready to provide free rate quotes in California. If more than one company is shown, it’s highly recommended you get rates from several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $242 | $392 | $514 | $30 | $154 | $1,332 | $111 |
| XC70 T6 AWD 4-Dr | $468 | $1072 | $604 | $36 | $180 | $2,360 | $197 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can decrease or increase auto insurance rates greatly.
Rate comparison for different deductibles
One of the most common auto insurance questions is where to set your physical damage deductibles. The following insurance rates may help to illustrate the difference in cost of buying low and high coverage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $430 | $678 | $500 | $30 | $150 | $1,813 | $151 |
| XC70 T6 AWD 4-Dr | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $266 | $426 | $500 | $30 | $150 | $1,372 | $114 |
| XC70 T6 AWD 4-Dr | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Prices do not factor in your specific San Diego location which can revise rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $39 more each month or $468 every year than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 19 months between claims, you would more than likely save some money if you choose a higher deductible.
Why you need car insurance
Even though it can be expensive, buying car insurance is not optional due to several reasons.
First, most states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you want to drive legally. In California 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.
Second, if you bought your Volvo XC70 with a loan, it’s most likely the lender will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Volvo at a much higher rate and require you to fork over the higher price.
Third, insurance protects not only your vehicle but also your financial assets. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Volvo gets damaged, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your XC70 are definitely more than the cost, particularly when you have a large claim. Today the average American driver is overpaying more than $830 a year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
Insurance policy discounts you can’t miss
Car insurance can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be asked about before you get the savings.
- No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual and GEICO will forgive one accident before raising your premiums so long as you are claim-free prior to the accident.
- Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
- Drivers Ed for Students – Require your teen driver to successfully take a driver’s education course in high school.
- Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
- Save with a New Car – Buying a new car instead of a used XC70 can save up to 30% since new vehicles are generally safer.
You should keep in mind that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. But all discounts will cut the premium cost.
Larger insurance companies and their offered discounts can be read below.
- Progressive has savings for online quote discount, multi-policy, homeowner, continuous coverage, good student, multi-vehicle, and online signing.
- AAA offers discounts for multi-car, good driver, education and occupation, AAA membership discount, and multi-policy.
- Farmers Insurance includes discounts for business and professional, homeowner, alternative fuel, mature driver, teen driver, switch companies, and multi-car.
- GEICO may have discounts that include military active duty, air bags, good student, anti-lock brakes, multi-policy, defensive driver, and seat belt use.
- Esurance policyholders can earn discounts including DriveSense, anti-lock brakes, renters, Pac-12 alumni, anti-theft, and claim free.
- SAFECO offers discounts including drive less, multi-car, anti-theft, anti-lock brakes, safe driver, teen safe driver, and homeowner.
- State Farm may offer discounts for multiple policy, safe vehicle, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, and driver’s education.
It’s a good idea to ask all companies you are considering to give you their best rates. Some discounts might not be offered on policies in San Diego. For a list of providers who offer free Volvo XC70 insurance quotes in San Diego, click here to view.
Are auto insurance agents of importance?
Some consumers just prefer to sit down and talk to an agent and that is not a bad decision The best thing about comparing rate quotes online is you may find cheap insurance quotes and also buy local.
To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to agents in your area who will give competitive quotes for your business. You won’t even need to do any legwork since price quotes are sent to you instantly. You can get cheaper insurance rates and work with a local agent. If you wish to quote rates from a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.
Finding a good insurance company shouldn’t rely on just a cheap price. These questions are important to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company have a solid financial rating?
- Will one accident increase rates?
- In the event of vehicle damage, can you pick the collision repair facility?
- What discounts might you be missing?
- Do they get paid more for recommending certain coverages?
- Are there any hidden costs in their price quote and does it include driving and credit history?
How to choose the best auto insurance agent in San Diego
If you are wanting to find a reliable insurance agent, it can be helpful to understand the different types of agencies and how they are slightly different. Insurance agencies are classified as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
These agents normally can only provide a single company’s rates and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives partially due to the brand instead of buying on price only.
Below is a list of exclusive insurance agents in San Diego that can give you rate quotes.
- Steve Lewis – State Farm Insurance Agent
7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276 – View Map - Theresa Nguyen-Muth – State Farm Insurance Agent
6650 Flanders Dr F – San Diego, CA 92121 – (858) 450-6000 – View Map - David Thompson – State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 – San Diego, CA 92111 – (858) 560-5400 – View Map
Independent Insurance Agents
These agents can quote rates with many companies so they can insure your vehicles with a variety of different insurance companies and find the cheapest insurance rates. If they find a lower price, they can switch companies in-house and the insured can keep the same agent. When comparing rates, you definitely need to include at least one independent agent so that you have a good selection of quotes to compare. They also have the ability to place coverage with less well-known companies which may provide better rates.
Shown below is a list of independent insurance agencies in San Diego willing to provide comparison quotes.
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map - Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map - ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
Car insurance coverages 101
Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volvo XC70.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Auto collision coverage
Collision coverage will pay to fix damage to your XC70 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things like scraping a guard rail, driving through your garage door, crashing into a building, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your XC70 to get cheaper collision coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, surgery, dental work, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Auto liability
Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability can pay for things such as court costs, medical expenses, funeral expenses and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.
Comprehensive coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a deer, theft, vandalism, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
More quotes mean more insurance savings
Drivers switch companies for any number of reasons including policy non-renewal, poor customer service, denial of a claim or questionable increases in premium. No matter why you want to switch, switching companies is actually quite simple.
A few companies may not offer the ability to get quotes online and usually these smaller providers provide coverage only through independent insurance agents. Budget-friendly insurance in San Diego is possible both online in addition to many San Diego insurance agents, and you should compare price quotes from both to get a complete price analysis.
As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best cost while still protecting your assets.
More information
- Red Light Cameras (State Farm)
- Who Has Affordable San Diego Auto Insurance for a School Permit? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford Escape in San Diego? (FAQ)
- Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in San Diego? (FAQ)
- How Much is San Diego Car Insurance for a Toyota Tacoma? (FAQ)
- What Auto Insurance is Cheapest for Felons in San Diego? (FAQ)
- Auto Theft Statistics (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)