How to Save on San Jose Volvo XC70 Insurance

To save the most money, the best way to get low-cost auto insurance rates in San Jose is to compare quotes annually from insurers in California. You can compare prices by following these steps.

• Step 1: Take a little time to learn about individual coverages and the changes you can make to drop your rates. Many policy risk factors that result in higher prices like multiple speeding tickets and a not-so-good credit history can be eliminated by improving your driving habits or financial responsibility. Keep reading for more details to get cheaper coverage and find missing discounts.
• Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agencies can give you price quotes from multiple companies.
• Step 3: Compare the new quotes to the price on your current policy and see if you can save money. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
• Step 4: Notify your company or agent of your intent to cancel your current coverage and submit payment and a signed application to the newly selected company. As soon as coverage is bound, keep your new certificate of insurance in an easily accessible location.

One thing to point out is that you use the same deductibles and limits on each price quote and to quote with as many companies as you can. This guarantees an accurate price comparison and the best rate selection.

Astonishing but true according to a recent study, most consumers kept buying from the same company for four years or more, and nearly 40% of drivers have never even shopped around for cheap coverage. With the average insurance premium being $1,390, California drivers could cut their rates by up to 35% a year just by getting comparison quotes, but they just don’t understand the actual amount they would save if they replace their high priced policy.

Companies offering affordable Volvo XC70 prices in San Jose, CA

The companies shown below are our best choices to provide price comparisons in San Jose, CA. If multiple companies are shown, we recommend you compare several of them to get the cheapest price.

Volvo XC70 insurance charts and tables

The premium information shown next highlights a range of insurance prices for Volvo XC70 models. Having a good understanding how rate quotes are figured helps drivers make decisions on the best policy coverages.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage prices noticeably.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The tables below sum up how much more you’ll pay of buying low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

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 safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in zip code location which can raise or lower price quotes considerably.

Based on the data above, we can derive that using a $100 deductible costs roughly $54 more each month or $648 each year than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claim filings, you would most likely save money if you choose the higher deductible. Below is the way we made this calculation.

Do you qualify for discounts on Volvo XC70 insurance in San Jose?

Buying insurance is not cheap, but you can get discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

• Military Rewards – Having a deployed family member may lower your insurance rates slightly.
• Passive Restraints and Air Bags – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
• Defensive Driver Discounts – Passing a course that instructs on driving safety may get you a small discount depending on where you live.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get reduced rates.
• Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
• Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% with some insurance companies.
• Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life policy as well.
• Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Early Switch Discount – Select companies give a discount for buying a new policy before your current expiration date. You could save around 10% when you buy San Jose auto insurance online.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, you won’t be that lucky.

The diagram below compares Volvo XC70 car insurance rates with and without discounts applied to the policy rates. The price estimates are based on a female driver, no accidents or 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, marriage, homeowner, and safe-driver discounts applied.

A partial list of companies that possibly offer most of these discounts include:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

It’s a good idea to ask every company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in every state. To see a list of companies with the best Volvo XC70 insurance discounts in San Jose, click here.

Different people need different car insurance coverages

When quoting and choosing your policy for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

• Is my ex-spouse still covered by my policy?
• Am I covered when driving on a suspended license?
• How much liability do I need to cover my assets?
• What are good deductibles for a Volvo XC70?
• Why am I required to buy liability insurance?
• Am I covered if I hit someone who is not insured?
• What is an adequate liability insurance limit?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Compare rate quotes but work with a local San Jose insurance agency

Many drivers still prefer to buy from a local agent and that is recommended in a lot of cases Agents can help you choose the best coverages and give you someone to call. A nice benefit of getting online price quotes is the fact that you can find cheap car insurance quotes and still choose a local agent.

For easy comparison, once you complete this simple form, your insurance data is emailed to local insurance agents in San Jose who will give you bids to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own because prices are sent to the email address you provide. If you wish to quote rates from one company in particular, you can always find their quoting web page and fill out their quote form.

Choosing the best company requires you to look at more than just a cheap price quote. Any agent in San Jose should have no problem answering these questions:

• Does the agency provide any after hours assistance?
• Is every driver in your family covered?
• How much experience to they have in personal lines coverages?
• Does the quote include credit and driving reports?
• Does the agency have a good rating with the Better Business Bureau?
• Is the coverage adequate for your vehicle?
• Do they have designations such as AIC, CPCU, or CIC?
• Will a damage claim use OEM or aftermarket replacement parts?

Below is a short list of auto insurance companies in San Jose that may be willing to give price quotes for Volvo XC70 insurance in San Jose.

View more San Jose agents

Get the best coverage at the lowest price

When you buy San Jose auto insurance online, it’s very important that you do not buy less coverage just to save a little money. In too many instances, drivers have reduced collision coverage only to find out that the savings was not a smart move. Your aim should be to get the best coverage possible at the best cost but still have enough coverage for asset protection.

Cheaper insurance in San Jose can be purchased on the web in addition to many San Jose insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not have rate quotes online and these small, regional companies provide coverage only through local independent agencies.

Helpful information

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• What Auto Insurance is Cheapest for Young Drivers in San Jose? (FAQ)
• Who Has Cheap Car Insurance for a Ford F-150 in San Jose? (FAQ)
• How Much is Auto Insurance for a Company Car in San Jose? (FAQ)
• What Auto Insurance is Cheapest for Business Use in San Jose? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• Child Safety Seats (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)