Auto Insurance Rate Quotes for a Volvo C30 in San Jose

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A recent insurance study discovered that almost 70% of drivers in California have purchased from the same company for more than four years, and just under half have never compared insurance rates at all. Drivers in the U.S. could save almost 46.5% every year, but most undervalue the rate savings if they switched.

Insurance for Volvo C30The easiest way to get discount Volvo C30 insurance is to make a habit of comparing prices annually from providers that sell auto insurance in San Jose.

First, it will benefit you to learn about what is in your policy and the measures you can control to prevent high rates. Many rating criteria that result in higher prices like accidents, careless driving, and a negative credit score can be controlled by making minor changes to your lifestyle. This article provides additional ideas to help find cheaper rates and find more discounts that you may not know about.

Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can quote rates from many different companies. Compare rates now

Third, compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide proper notification to your current company to cancel your current auto insurance policy and submit a down payment along with a completed application to the newly selected company. Immediately place the new certificate verifying coverage in an accessible location in your vehicle.

One thing to remember is to make sure you enter similar coverage information on every price quote and and to look at as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and a better comparison of the market.

Comparing rates for more affordable coverage in San Jose can be fairly easy. If you have a current auto insurance policy or just want a better rate, follow these tips to save money without reducing protection. Drivers just have to know the most efficient way to shop their coverage around online.

How to compare Volvo C30 insurance price quotes in San Jose

Getting a cheaper price on Volvo C30 insurance doesn't have to be difficult. You just have to spend a little time comparing free San Jose auto insurance quotes from online providers.

The companies shown below are our best choices to provide comparison quotes in San Jose, CA. If multiple providers are shown, we suggest you visit as many as you can to get the lowest price.

Insurance is not optional in California

Despite the potentially high cost of Volvo C30 insurance, paying for insurance is required for several reasons.

  • Almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to drive the car. 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.
  • If you bought your vehicle with a loan, most banks will require you to buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Volvo for a lot more money and require you to reimburse them for the expensive policy.
  • Insurance safeguards not only your Volvo C30 but also your assets. It also can pay for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. But the average driver in California is wasting up to $810 a year so compare rates every year to be sure current rates are still competitive.

Volvo C30 insurance analysis

The premium table shown next showcases estimates of insurance prices for Volvo C30 models. Knowing how insurance prices are calculated can be useful when making smart choices when selecting a coverage provider.

Volvo C30 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C30 T5 $262 $478 $416 $24 $124 $1,304 $109
C30 T5 R-Design $296 $562 $416 $24 $124 $1,422 $119
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in San Jose location which can influence premium rates noticeably.

Volvo C30 full coverage rates compared to liability only

The example below illustrates the comparison of Volvo C30 car insurance costs with and without full coverage. The information is based on no claims or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There isn't a written rule to stop paying for full coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's pretend your Volvo C30 settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after the deductible is paid. If you are paying in excess of $500 annually to have full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Save money on Volvo C30 insurance in San Jose with these discounts

Some companies don't always advertise the complete list of policy discounts very clearly, so the below list has both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy San Jose auto insurance online.Save money with discounts

  • Home Ownership Discount - Owning a home in San Jose can save a few bucks because of the fact that having a home demonstrates responsibility.
  • Passive Restraint Discount - Vehicles equipped with air bags could see savings of 20% or more.
  • Save with More Vehicles Insured - Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
  • Online Discount - A few larger online companies give back up to $50 shop San Jose auto insurance over the internet.
  • Early Switch Discount - A few insurance companies give discounts for buying a policy prior to your current C30 insurance policy expiring. This discount can save up to 10%.
  • Discount for Multiple Policies - If you insure your home and vehicles with one company you could save up to 20% off your total C30 insurance premium.
  • Discount for Life Insurance - Select insurance carriers reward you with a break if you buy a life policy as well.
  • Professional Organizations - Being a member of a professional or civic organization is a good way to get lower rates on insurance.
  • Smart Student Discounts - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Full Payment Discount - If paying your policy premium upfront instead of paying each month you may reduce your total bill.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will lower the cost of coverage.

The illustration below illustrates the comparison of Volvo C30 auto insurance rates with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, full 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, claim-free, multi-policy, safe-driver, marriage, and homeowner discounts applied.

Large insurance companies and the discounts they provide are detailed below.

  • State Farm includes discounts for student away at school, safe vehicle, defensive driving training, Steer Clear safe driver discount, anti-theft, accident-free, and passive restraint.
  • American Family may include discounts for multi-vehicle, accident-free, TimeAway discount, Steer into Savings, and good student.
  • GEICO has savings for good student, daytime running lights, multi-policy, anti-lock brakes, driver training, defensive driver, and five-year accident-free.
  • 21st Century discounts include driver training, homeowners, anti-lock brakes, teen driver, student driver, good student, and early bird.
  • Progressive offers premium reductions for online quote discount, homeowner, online signing, multi-vehicle, good student, continuous coverage, and multi-policy.

Before purchasing a policy, check with all the companies how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to choose from a list of insurance companies that offer multiple discounts in California, follow this link.