Unfortunately, the vast majority of consumers have purchased from the same company for well over three years, and approximately 40% of consumers have never compared rates from other carriers. Most drivers in California can save hundreds of dollars each year just by comparing rates, but they just assume it takes a lot of time to save money by comparing rate quotes.
Truthfully, the best way to get more affordable Volvo S60 insurance is to compare prices annually from providers who provide car insurance in Chula Vista. You can compare rates by following these guidelines.
First, get an understanding of how companies set rates and the changes you can make to lower rates. Many things that increase rates such as multiple speeding tickets and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer. Read the full article for more ideas to help keep prices low and get bigger discounts.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies. Compare rates
Third, compare the new rates to your existing coverage and determine if there is any savings. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
One thing to remember is that you’ll want to make sure you compare identical coverages on each quote and and to get quotes from every company you can. Doing this helps ensure a fair price comparison and a thorough selection of prices.
If you have a policy now or just want a better rate, you will benefit by learning to buy cheaper car insurance without reducing coverage. Finding the cheapest coverage in Chula Vista is easy if you know what you’re doing. Shoppers only need an understanding of the proper way to compare price quotes from many different companies online.
Compare Volvo S60 insurance rates
The following companies have been selected to offer comparison quotes in California. To get cheap auto insurance in Chula Vista, we recommend you visit as many as you can in order to find the most affordable rates.
Take policy discounts and save on Volvo S60 insurance in Chula Vista
Some insurance providers don’t necessarily list every available discount in a way that’s easy to find, so the list below details some of the more common and the more hidden discounts that may be available.
- ABS Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Chula Vista and leave their car at home may qualify for this discount.
- Auto/Home Discount – If you combine your auto and homeowners policies with one insurance company you will save 10% to 20% off each policy.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
- Claim Free – Insureds who avoid accidents and claims pay less when compared to accident-prone drivers.
- Discount for Home Ownership – Owning a home in Chula Vista can get you a discount since owning and maintaining a home shows financial diligence.
- Service Members Pay Less – Having a family member in the military could qualify you for better prices.
- Safe Driver Discount – Accident-free drivers may receive a discount up to 45% as compared to drivers with claims.
Remember that some credits don’t apply to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount should definitely cut your policy premium.
Large auto insurance companies and their possible discounts can be read below.
- Progressive includes discounts for online quote discount, online signing, continuous coverage, multi-vehicle, homeowner, good student, and multi-policy.
- GEICO has discounts for multi-vehicle, defensive driver, membership and employees, air bags, and seat belt use.
- State Farm offers discounts including anti-theft, accident-free, Steer Clear safe driver discount, good student, good driver, multiple policy, and driver’s education.
- Esurance offers discounts for safety device, DriveSense, anti-theft, homeowner, Switch & Save, good student, and defensive driver.
- The Hartford may have discounts that include vehicle fuel type, bundle, air bag, good student, anti-theft, driver training, and defensive driver.
If you need lower rates, check with all the companies which discounts you may be entitled to. Some credits might not be offered on policies in Chula Vista. To locate auto insurance companies with significant discounts in California, click here to view.
Lower Insurance Rates with These Tips
Part of the insurance buying process is learning some of the factors that play a part in calculating the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates.
Listed below are some of the factors that factor into your rates.
- Frequent claims will increase rates – If you tend to file frequent claims, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies in California award better rates to insureds who only file infrequent claims. Your insurance policy is intended to be relied upon for the large, substantial claims.
- Male costs may be higher – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Women and men cause auto accidents in similar percentages, but men tend to have more serious accidents. Men also get higher numbers of serious violations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure and thus pay the highest rates.
- Excellent credit saves on insurance – Credit score can be a huge factor in determining your rates. Drivers who have excellent credit tend to be better risks to insure than those with poor credit. If your credit history could use some work, you could potentially save money when insuring your Volvo S60 if you improve your credit rating.
- Your address can influence price – Choosing to live in areas with lower population is a positive aspect if you are looking for the lowest rates. People who live in big cities have much more traffic and longer commute times. Less people living in that area corresponds to lower accident rates and lower theft and vandalism rates.
- Protect yourself with liability insurance – Liability insurance is the coverage that protects you when you are found liable for an accident. Liability insurance provides legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
- Vehicle features that cut premiums – Driving a car with a theft deterrent system can help bring down rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
- Single drivers take more risk – Having a spouse actually saves money when shopping for insurance. It may mean you are less irresponsible it has been statistically shown that drivers who are married file infrequent claims.
Volvo S60 historical loss data – Companies take into consideration historical loss data for every vehicle to calculate a price that will offset losses. Models that tend to have higher claim amounts or frequency will be charged more to insure. The table below shows the historical loss data for Volvo S60 vehicles.
For each policy coverage, the claim amount for all vehicles, as a total average, is represented as 100. Values that are 100 or less represent a good loss history, while numbers shown that are more than 100 point to more claims or statistically larger losses.
Insurance Loss Ratings for Volvo S60 Vehicles Specific Volvo Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volvo S60 4dr 2WD 103 85 83 76 72 65 Volvo S60 4dr 4WD 111 73 90 65 66BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years