Want to learn how to find low-cost car insurance rates in San Diego, CA? San Diego shoppers have lots of choices when shopping for the best price on Volvo C30 insurance. You can either spend your time calling around trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to compare rates on a Volvo and locate the lowest possible price.
Locating the most cost-effective auto insurance policy in San Diego can be made easier if you know where to look. If you are insured now, you stand a good chance to be able to lower your rates using the concepts covered in this article. You just have to understand the most time-saving way to compare price quotes from many different companies online.
The most recommended method to compare rate quotes for Volvo C30 insurance in San Diego is to realize auto insurance companies have advanced systems to give rate comparisons. All you need to do is provide a small amount of information including your occupation, distance driven, if it has an alarm system, and coverage limits. Your insurance information is instantly submitted to multiple car insurance providers and you will receive price estimates immediately.
To check rates for your Volvo C30 now, click here and find out if you can get cheaper insurance in San Diego.
The companies in the list below have been selected to offer price quotes in San Diego, CA. If multiple providers are shown, we recommend you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $294 | $592 | $500 | $30 | $150 | $1,566 | $131 |
| C30 T5 R-Design | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can modify auto insurance rates greatly.
Policy deductible comparison
The chart below shows how different deductible levels and can affect Volvo C30 insurance premiums for different insured age categories. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Volvo C30 insurance rates by age and gender
The information below shows the difference between Volvo C30 insurance prices for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $250 deductibles, marital status is single, and no other discounts are factored in.
Analysis of deductible levels
When shopping for auto insurance, a common question is where to set your physical damage deductibles. The comparison tables below can help you understand the rate fluctuation when you select higher and lower deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| C30 T5 R-Design | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| C30 T5 R-Design | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific zip code location which can affect premiums greatly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $46 more each month or $552 a year than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 20 months between claim filings, you would most likely save money by going with a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $148 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $46 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $46 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a comprehensive or collision claim. That will require some savings in order to pay the deductible.
Neighborhood insurance agents
A lot of people still prefer to sit down and talk to an agent and that is a smart decision Licensed agents are highly skilled in risk management and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still buy from a local agent.
Upon completion of this short form, the quote information gets sent to insurance agents in San Diego that give free quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go straight to your inbox. If you have a need to get a rate quote for a specific company, feel free to visit that company’s website and submit a quote form there.
Choosing the best insurance company shouldn’t rely on just the price. A good agent in San Diego will have answers to these questions.
- Can you contact them at any time?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What are the financial ratings for the companies they represent?
- Do they prorate repair cost based on vehicle mileage?
- How much training do they have in personal risk management?
- Are they giving you every discount you deserve?
- How are they compensated?
- Does the agency have a positive business rating?
The difference between San Diego car insurance agents
If you are searching for a local San Diego insurance agency, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Agents in San Diego can be described as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it is important to understand why they differ because it can influence which agent you choose.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive can only quote rates from one company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot compare other company’s rates so always compare other rates. Exclusive insurance agents are highly trained on what they offer and that can be a competitive advantage. Drivers often choose to use a exclusive agent mostly because of the brand and strong financial ratings.
Shown below is a list of exclusive agents in San Diego that can give you rate quotes.
- Matt Kalla – State Farm Insurance Agent
4148 Voltaire St – San Diego, CA 92107 – (619) 223-1629 – View Map - Rick Wiese – State Farm Insurance Agent
2333 Camino del Rio S – San Diego, CA 92108 – (619) 293-7211 – View Map - Allstate Insurance: David James
8333 Clairemont Mesa Blvd Ste 110 – San Diego, CA 92111 – (858) 278-4880 – View Map
Independent Agents
These type of agents can sell policies from many different companies so as a result can place your coverage with an assortment of companies and potentially find a lower price. If your premiums go up, they simply move your policy to a different company and you can keep the same agent.
When comparing auto insurance prices, it’s a good idea to compare quotes from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to companies you’ve never heard of which may provide better rates.
Shown below is a list of independent agents in San Diego willing to provide price quotes.
- Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map - Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 – San Diego, CA 92127 – (858) 487-3737 – View Map - AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 – View Map