Cheap Rate Quotes for Volvo C70 Insurance in Raleigh

To save the most money, the best way to get budget Volvo C70 insurance is to annually compare prices from insurers in Raleigh.

First, try to learn a little about what coverages are included in your policy and the things you can change to keep rates low. Many risk factors that result in higher rates like traffic tickets, fender benders, and a negative credit rating can be remedied by being financially responsible and driving safely. Continue reading for information to get cheaper rates and find more discounts that you may not know about.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can give you price quotes for a wide range of insurance providers.

Third, compare the new rates to the price on your current policy to determine if switching companies saves money. If you can save some money, ensure there is no coverage lapse between policies.

Fourth, provide written notification to your current company of your intention to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for your new policy. Once the application is submitted, store the certificate verifying coverage in your vehicle.

A good tip to remember is that you’ll want to compare the same deductibles and limits on every quote and and to get quotes from every company you can. Doing this guarantees a fair rate comparison and a thorough selection of prices.

It’s a fact that auto insurance companies don’t want you comparing rates. Insureds who get price quotes annually will probably switch companies because there is a great chance of finding more affordable rates. A survey found that people who compared rates annually saved $865 a year compared to policyholders who never compared other company’s rates.

If saving money on auto insurance in Raleigh is the reason for your visit, then learning a little about how to shop and compare insurance premiums can save time and money.

Our goal is to teach you the most effective ways to compare rates and how you can save the most money. If you are already insured, you stand a good chance to be able to lower your rates using the ideas covered in this article. Nevertheless, North Carolina drivers must know how the larger insurance companies price online insurance because rates are impacted by many factors.

The quickest way to get policy rate comparisons for Volvo C70 insurance in Raleigh takes advantage of the fact all the major auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details such as coverage limits, your occupation, your credit rating estimate, and how your vehicles are used. That rating information is instantly sent to multiple different insurance companies and you will get price comparisons with very little delay.

To compare rates for your Volvo C70 now, click here and enter your zip code.

The providers in the list below have been selected to offer price quotes in Raleigh, NC. If you want cheap car insurance in North Carolina, we suggest you click on several of them in order to find the lowest rates.

Earn discounts to get lower-cost Raleigh insurance quotes

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that many consumers don’t even know exist. Some trigger automatically at the time of purchase, but a few need to be asked for before you get the savings.

• E-sign Discounts – A few larger online companies will give a small break get Raleigh auto insurance digitally online.
• Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could trigger savings on your policy.
• Discount for Passive Restraints – Options like air bags may earn rate discounts up to 30%.
• Good Students Pay Less – Getting good grades may save as much as 25% on a Raleigh auto insurance quote. This discount can apply up to age 25.
• Claim-Free Discount – Good drivers with no accidents pay less compared to policyholders that have many claims.
• Defensive Driving Course – Passing a course teaching driver safety skills could save 5% or more and make you a better driver.
• Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
• Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free insurance policy, that’s just not realistic.

The diagram below shows the comparison of Volvo C70 auto insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

Large insurance companies and some of their more popular discounts can be read below.

• State Farm may have discounts that include multiple policy, accident-free, good driver, passive restraint, multiple autos, defensive driving training, and anti-theft.
• American Family may include discounts for TimeAway discount, good student, air bags, early bird, and Steer into Savings.
• AAA has discounts for multi-policy, education and occupation, good driver, multi-car, good student, and AAA membership discount.
• GEICO includes discounts for daytime running lights, seat belt use, defensive driver, military active duty, air bags, membership and employees, and driver training.
• Mercury Insurance policyholders can earn discounts including multi-policy, type of vehicle, low natural disaster claims, annual mileage, multi-car, location of vehicle, and good student.
• Farmers Insurance may offer discounts for switch companies, multi-car, alternative fuel, electronic funds transfer, good student, business and professional, and homeowner.
• Progressive offers premium reductions for good student, multi-policy, homeowner, continuous coverage, and online quote discount.

When getting a coverage quote, ask each company or agent the best way to save money. Some discounts listed above may not apply to policies in Raleigh. To find companies that offer discounts in North Carolina, click this link.

Volvo C70 insurance coverage information

The data table below outlines different insurance costs for Volvo C70 models. Having a better idea how insurance rates are calculated is important for drivers to make decisions when choosing a new policy provider.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in Raleigh location which can revise price quotes significantly.

Physical damage deductibles: Should you raise them?

One frequently asked question is where should you set your physical damage deductibles. The following tables outline the difference in cost between high and low physical damage coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can impact premium rates noticeably.

Based on this data, using a $100 deductible would cost the average driver about $20 more each month or $240 every year than choosing the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would most likely save money if you opt for a higher deductible. The table below illustrates how you can perform this determination yourself.

One important caveat is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have some extra funds in order to pay the higher deductible.

Insurance rates by age and gender

The illustration below illustrates the comparison of Volvo C70 yearly insurance costs for male and female drivers. The costs are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.

How do Insurers Determine Volvo C70 Insurance Costs?

The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower auto insurance prices. Lots of things are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure such as your marital status or your financial responsibility.

Shown below are some of the major factors that factor into rates.

• Car insurance liability protection limits – Liability coverage will provide protection if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Get married and pay lower prices – Having a significant other helps lower the price when buying auto insurance. Marriage generally demonstrates drivers are more mature and insurance companies like that married couples file fewer claims.

• Better drivers pay the best premiums – Having a clean driving record has a huge affect on how much you pay. Attentive drivers have lower premiums compared to drivers with tickets. Having a single ticket can bump up the cost to the point where it’s not affordable. Drivers who have gotten multiple tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to prevent their license from being revoked.

  The diagram below illustrates how violations and at-fault accidents can impact Volvo C70 premium costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

• Does your job raise your prices? – Jobs such as military generals, air traffic controllers, and miners generally pay the highest rates in part from high stress levels and extremely grueling work hours. Other occupations like scientists, historians and homemakers have lower than average premiums.
• Don’t cancel your coverage without a new one in place – Allowing your coverage to lapse is a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage could result in a hefty fine and possibly a revoked license.
• Credit rating impacts premiums – Having a bad credit rating factor in calculating your auto insurance rates. Drivers who have good credit tend to be better risks to insure as compared to drivers with lower credit ratings. So if your credit is lower than you’d like, you could be paying less to insure your Volvo C70 if you improve your credit rating.
• Bundle policies and save – The majority of auto insurance companies will award discounts to clients who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even with this discount applied, consumers should still comparison shop to make sure you are getting the best deal.
• No auto insurance claims equals lower rates – If you file claims often, don’t be surprised to see higher rates. Auto insurance companies in North Carolina award most affordable rates to people who are claim-free. Your insurance policy is intended to be relied upon for larger claims.

Local Raleigh insurance agents and car insurance

Many drivers just prefer to have an agent’s advice and doing that can be a smart decision A good thing about comparing rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. Buying from and supporting local insurance agents is definitely important in Raleigh.

By using this form (opens in new window), your insurance coverage information is instantly submitted to companies in Raleigh that can provide free Raleigh auto insurance quotes for your business. You never need to contact any insurance agencies since rate quotes are delivered to you. You can most likely find cheaper rates and a licensed agent to work with. If for some reason you want to quote rates from one company in particular, feel free to navigate to their website and fill out the quote form the provide.

If you would like to find a local insurance agency, it’s helpful to know the different types of agencies and how they differ in how they can insure your vehicles. Raleigh agents are considered either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies

These type of agents are not employed by one company so they can quote policies through many different car insurance companies and get the cheapest rates. If your premiums go up, they can switch companies in-house and you don’t have to switch agencies. When comparing rate quotes, you will definitely want to contact several independent insurance agents to ensure the widest selection of prices. They also have the ability to place coverage with companies that do not advertise much who may have lower rates.

Listed below is a partial list of independent insurance agents in Raleigh that can give you comparison quotes.

• Nationwide Insurance: Michael E Okoli Agency Inc
  309 W Millbrook Rd #151 – Raleigh, NC 27609 – (919) 786-1960 – View Map
• Lee Winters Insurance Agency
  1330 St Marys St Suite 250 – Raleigh, NC 27605 – (919) 828-7130 – View Map
• Matt Roberts Agency, Inc.
  1151 Falls River Avenue, Suite 105-A – Raleigh, NC 27614 – (919) 845-2999 – View Map

More insurance agents

Exclusive Insurance Agencies

These agents can only provide one company’s prices such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents primarily because of the prominence of the brand rather than having low rates.

The following are exclusive insurance agencies in Raleigh that are able to give comparison quotes.

• GEICO Insurance Agent
  5011 Falls of Neuse Rd A – Raleigh, NC 27609 – (919) 862-1300 – View Map
• Carmen Ritz – State Farm Insurance Agent
  1814 Oberlin Rd #101 – Raleigh, NC 27608 – (919) 783-8722 – View Map
• Myron Jarman – State Farm Insurance Agent
  2869 Jones Franklin Rd – Raleigh, NC 27606 – (919) 859-5261 – View Map

More insurance agents

Finding the right insurance agency should include more criteria than just the quoted price. Before buying a policy in Raleigh, get answers to these questions.

• Do they get paid more for recommending certain coverages?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• What company holds the largest book of business for them?
• How long has the business existed?
• Do they have a Better Business Bureau rating in Raleigh?
• Will they give you a referral list?

What insurance coverages do I need?

When it comes to the right insurance coverage for your vehicles, there really isn’t a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that.
These are some specific questions might point out whether or not you might need an agent’s assistance.

• Do I have coverage if my license is suspended?
• What is no-fault insurance?
• Where can I find DUI or SR-22 insurance?
• When should I not file a claim?
• Are all vehicle passengers covered by medical payments coverage?
• Are my friends covered when driving my Volvo C70?
• I don’t drive much so do I pay less?
• Do I need special coverage while pulling a rented trailer?
• Do I need added coverage for expensive stereo equipment?

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 an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Cheaper car insurance premiums are out there

We just presented quite a bit of information on how to shop for Volvo C70 insurance online. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. These companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits only to discover later they didn’t purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

More detailed car insurance information is located at these sites:

• State Laws for Cellphones and Texting (iihs.org)
• Who Has Affordable Raleigh Auto Insurance Rates for Good Students? (FAQ)
• How Much are Raleigh Car Insurance Rates for Homeowners? (FAQ)
• What Insurance is Cheapest for a Jeep Wrangler in Raleigh? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Uninsured Drivers in Raleigh? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• What is Gap Insurance? (Insurance Information Institute)