Best Rate Quotes for Volvo XC70 Insurance in Chandler

Do you want to save money by buying low-cost Volvo XC70 insurance in Chandler? Nobody likes buying insurance, especially when they know their premiums are too high.

A recent NerdWallet.com study revealed that a large majority of insurance policyholders in Arizona have been with the same company for at least four years, and nearly half have never quoted rates to find lower-cost coverage. American consumers could save an average of almost $859 each year just by getting comparison quotes, but they don’t believe the large savings they would see if they switched.

Since drivers have many choices of insurance companies that have lower-cost insurance for a Volvo XC70 in Chandler, it is hard for the average consumer to locate the best insurance company.

Finding affordable coverage in Chandler can be easy if you know a few tricks. Nearly anyone who needs lower cost auto insurance should find better rates. But Arizona drivers must know how companies calculate their prices because it varies considerably.

When comparison shopping, there are several ways to compare quotes from different Chandler insurance companies. The best method to find the cheapest insurance rates involves getting comparison quotes online.

Comparing price quotes online is fast and free, and it replaces the need to go to insurance agencies in your area. Buying insurance online has made agencies unnecessary unless your situation requires the extra assistance of an agent trained in personal lines coverage. However, consumers can price shop your coverage online and still use a local agent. Just keep in mind that quoting more gives you a better chance of getting the best offered rates.

The following companies provide free quotes in Chandler, AZ. To locate cheap car insurance in Arizona, we recommend you visit as many as you can to get a more complete price comparison.

Volvo XC70 coverage analysis

The table below covers detailed analysis of insurance premium costs for Volvo XC70 models. Being able to understand how auto insurance prices are formulated is important for making smart choices when selecting a policy.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in zip code location which can increase or decrease prices significantly.

Analysis of deductible levels

A question often asked by Chandler drivers is which comprehensive and collision deductibles to buy. The rates shown below may help to conceptualize the premium difference between high and low deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in garaging location in Chandler which can decrease or increase rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $25 more each month or $300 every year than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 16 months between claim filings, you would come out ahead by going with a higher deductible.

Impact of citations and accidents on Chandler insurance rates

The example below demonstrates how citations and at-fault collisions can affect Volvo XC70 premium costs for different age groups of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Difference between liability only and full coverage rates

The example below shows the difference between Volvo XC70 auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The premium estimates are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no specific rule that is best for determining when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volvo XC70 settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your policy deductible. If it’s costing you more than $600 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Choosing XC70 insurance is an important decision

Even though it can be expensive, buying insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

• Most states have minimum liability requirements which means state laws require a minimum amount of liability protection if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Volvo XC70 with a loan, almost every bank will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Volvo at a much higher rate and force you to pay for it.
• Insurance protects both your car and your personal assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you have damage to your Volvo as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your XC70 more than offset the price you pay, particularly when you have a large claim. The average driver in America overpays more than $865 each year so shop around every year to ensure rates are inline.

Cheap Volvo XC70 insurance quotes in Chandler

Auto insurance companies don’t always list their entire list of discounts very clearly, so below is a list some of the more common and also the lesser-known savings tricks you should be using when you buy Chandler auto insurance online.

• Braking Control Discount – Cars that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Military Deployment Discount – Having a family member in the military could mean lower rates.
• Life Insurance Discount – Larger companies have a discounted price on car insurance if you buy auto and life insurance together.
• Save with a New Car – Buying insurance on a new vehicle is cheaper compared to insuring an older model.
• Mature Driver Discount – Older drivers may be able to get better car insurance rates.
• Telematics Data Discounts – Policyholders that allow their insurance company to spy on driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
• No Accidents – Drivers who don’t have accidents have much lower rates when compared to accident-prone drivers.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
• Paper-free Discount – Some of the larger companies give back up to $50 just for signing your application digitally online.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your Chandler auto insurance quote.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

The chart below illustrates the difference between Volvo XC70 annual premium costs with and without some available policy discounts. The costs are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

For a list of insurance companies who offer online Volvo XC70 insurance quotes in Chandler, click this link.

Can’t I get rate quotes from local Chandler auto insurance agents?

Many drivers still like to talk to a local agent and that is not a bad decision The best thing about price shopping on the web is the fact that drivers can get cheap car insurance quotes and still buy from a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent to your email. Get lower rates without requiring a lot of work. If you wish to compare rates from a specific car insurance provider, you can always jump over to their website and submit a quote form there.

Finding the right insurer should depend on more than just a cheap price quote. Get answers to these questions too.

• What are the financial ratings for the companies they represent?
• How often do they review coverages?
• Does the agent have a valid license to sell insurance in Arizona?
• Are all drivers listed on the coverage quote?
• Is the agency involved in supporting local community causes?

If you are wanting to purchase car insurance from local Chandler agents, there are two different types of agencies that you can select. Car insurance agents in Chandler are categorized either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive insurance agents work for only one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. They are well schooled on the products they sell which helps overcome the inability to quote other rates.

The following is a short list of exclusive agents in Chandler who may provide you with price quote information.

More insurance agents

Independent Insurance Agents

These type of agents often have affiliation with several companies so they can quote policies with an assortment of companies and find you cheaper rates. To transfer your coverage to a different company, they simply move the coverage in-house which makes it simple for you.

If you need lower rates, you need to get some free quotes from multiple independent agents so that you have a good selection of quotes to compare.

Listed below is a list of independent agents in Chandler who can help you get price quotes.

More insurance agents

After you get good feedback and an acceptable price quote, you have narrowed it down to a car insurance agent that will properly service your car insurance policy. Just keep in mind once you purchase a policy you can terminate your policy at any point so don’t assume that you are obligated to your new company with no way out.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volvo XC70.

Because many people only purchase the least amount of liability that is required (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, fire damage, vandalism and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like X-ray expenses, surgery and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your XC70 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible on your XC70 to bring the cost down.

Auto liability

This coverage protects you from damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, loss of income, bail bonds, emergency aid and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing more liability than the minimum.

The next chart shows why minimum state limits may not be enough.

Quote more and you will save more

When searching for inexpensive Chandler auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at a price you can afford.

You just read a lot of information how to reduce Volvo XC70 insurance auto insurance rates online in Chandler. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets compared to the large companies like GEICO and State Farm.

How to buy affordable Volvo XC70 insurance in Chandler

If you want to save the most money, the best way to save money on Volvo XC70 insurance is to start comparing prices regularly from insurance carriers that sell auto insurance in Chandler.

• First, spend some time learning about policy coverages and the things you can control to drop your rates. Many things that cause rate increases like accidents, traffic violations, and a less-than-favorable credit history can be controlled by making minor changes in your lifestyle.
• Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while independent agencies can give you price quotes from multiple insurance companies. Compare rates
• Third, compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save some money and make a switch, make sure there is no lapse in coverage.
• Fourth, give proper notification to your current agent or company of your intention to cancel your current auto insurance policy and submit payment and a completed application to the new company. Don’t forget to place your new certificate of insurance in your glove compartment.

The most important part of shopping around is to use the same amount of coverage on each quote and to quote with as many carriers as you can. This ensures a fair price comparison and a good representation of prices.

For more information, take a look at the following helpful articles:

• Teen Driver Licensing Information (iihs.org)
• Who Has Affordable Chandler Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Who Has Affordable Chandler Auto Insurance for Uber Drivers? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Auto Theft Statistics (Insurance Information Institute)