Car Insurance Rates for a Volvo XC70 in Chula Vista

It’s an obvious assumption that insurance companies want to keep you from comparing rates. Consumers who shop around for better prices are highly likely to switch car insurance companies because there is a significant possibility of finding a policy with more affordable rates. A recent survey found that people who shopped around saved an average of $3,400 over four years compared to those who don’t make a habit of comparing rates.

If finding the most affordable car insurance in Chula Vista is your ultimate objective, then having some knowledge of the best way to compare coverages can make shopping around easier.

To save the most money, the best way to find discount Volvo XC70 insurance in Chula Vista is to start comparing prices regularly from companies who sell auto insurance in California.

1. Try to learn a little about how auto insurance works and the factors you can control to drop your rates. Many factors that increase rates such as traffic citations, accidents, and poor credit can be amended by making small lifestyle or driving habit changes.
2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.
3. Compare the new quotes to your existing coverage to see if a cheaper price is available. If you can save money, verify that coverage does not lapse between policies.

The key thing to remember is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and and to get price quotes from every insurance company. Doing this ensures a level playing field and a better comparison of the market.

When price shopping your coverage, making a lot of price comparisons will improve the odds of getting better pricing.

The following companies are our best choices to provide comparison quotes in Chula Vista, CA. If your goal is to find the cheapest auto insurance in California, it’s a good idea that you visit several of them to get the best price comparison.

Affordable Volvo XC70 insurance in Chula Vista

Companies that sell car insurance don’t always list every discount very clearly, so the following is a list of both the well known and the harder-to-find credits that may apply to you.

• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 25 to 30%.
• Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
• Distant Student Discount – College-age children who attend college more than 100 miles from Chula Vista and do not take a car to college could qualify for this discount.
• Theft Deterrent – Cars and trucks that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Renewal Discounts – Some larger companies give discounts for switching to them before your current XC70 insurance policy expires. It could save around 10% when you buy Chula Vista car insurance online.
• Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction with some insurance companies.
• Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like GEICO, State Farm, and Progressive may permit one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
• Student Discounts – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
• Mature Driver Discount – Mature drivers may receive a small discount on rates.
• Multiple Cars – Buying coverage for all your vehicles with the same insurance company qualifies for this discount.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works.

The chart below illustrates the difference between Volvo XC70 yearly insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.

To choose companies offering insurance discounts in Chula Vista, click here to view.

Premium rates and analysis

The table below covers estimates of insurance prices for Volvo XC70 models. Having a better idea how policy premiums are figured is important to be able to make smart choices when buying a policy.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can influence coverage rates substantially.

Insurance deductibles

The hardest decision when buying coverage is which deductibles should you choose. The figures shown below can help you visualize the price difference when you select higher and lower deductibles. The first table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price information does not factor in vehicle location which can revise premiums substantially.

Based on these figures, using a $250 deductible costs about $39 more each month or $468 every year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 19 months between claims, you would most likely save money if you elect the higher deductible.

One important caveat is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. That will require some savings in the bank in order to pay the deductible.

The example below shows how choosing a deductible and can raise or lower Volvo XC70 insurance costs for each age group. The data assumes a single female driver, comp and collision included, and no discounts are applied to the premium.

Responsible drivers pay cheaper Chula Vista insurance rates

The chart below highlights how speeding tickets and at-fault claims increase Volvo XC70 annual premium costs for each age group. The information is based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Do you need full coverage?

The information below illustrates the comparison of Volvo XC70 insurance costs with full physical damage coverage and with liability coverage only. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive formula to drop full coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Volvo XC70 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying in excess of $400 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Get More Affordable Insurance Costs by Understanding These Factors

Lots of factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent such as whether you are married and annual miles driven. Consumers need to have an understanding of some of the factors that are used to determine your premiums. When you know what positively or negatively determines base rates, this enables informed choices that could result in lower premium levels.

• Safer vehicles cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles reduce injuries and better occupant protection translates into savings for insurance companies which can mean better rates for you.
• Stay claim-free and save – If you’re an insured who likes to file claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies in California award discounts to policyholders that do not abuse their auto insurance. Auto insurance is designed for major claims that would cause financial hardship.
• Don’t cut corners with liability insurance – A critical coverage on your policy, liability insurance provides coverage in the event that you are ruled to be at fault for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
• Discounts for married drivers – Being married may cut your premiums on insurance. It means you’re more mature than a single person and it’s statistically proven that married couples file fewer claims.

• Influences performance influences auto insurance rates – The performance level of the car or truck you are trying to find cheaper insurance for makes a huge difference in the rate you pay. Economy passenger models usually have the lowest premiums, but many other things help determine your insurance rates.

  The data below is based on a single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Volvo XC70 insurance premiums compared to other models of vehicles that have different risk factors.

• Your location is important – Having an address in a small town is a positive aspect when it comes to insurance. Fewer drivers translates into fewer accidents in addition to lower liability claims. People in densely populated areas tend to have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.

• Insurance losses for a Volvo XC70 – Insurers include the past claim history for a vehicle when they calculate premium rates for each model. Vehicles that the data shows to have higher loss trends will have a higher premium rate.

  The table below outlines the insurance loss data used by companies for Volvo XC70 vehicles. For each type of coverage, the claim probability for all vehicles, without regard to make or model, is set at 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 point to more frequent losses or statistically larger losses.

  
  

  Insurance Loss Ratings for Volvo XC70 Vehicles

  Specific Volvo Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volvo XC70 Station Wagon 2WD	69
  Volvo XC70 Station Wagon 4WD	79	70	94	45

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Do I need a local insurance agent?

Many drivers just prefer to talk to a local agent and that is not a bad decision The best thing about getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent.

Once you complete this form (opens in new window), your information is immediately sent to local insurance agents who want to provide quotes and help you find cheaper coverage. You never need to visit any agencies since price quotes are sent to your email. It’s the lowest rates AND a local agent. If you have a need to get a price quote from a specific company, you would need to find their quoting web page and fill out the quote form the provide.

Finding the right company requires you to look at more than just a cheap quote. Here are some questions to ask:

• Which members of your family are coverage by the policy?
• How long has the business existed?
• Is the agency active in community causes in Chula Vista?
• Can you get a list of referrals?
• Does the company have a solid financial rating?
• Will they take your side in the event of a claim?
• What company holds the largest book of business for them?

Chula Vista auto insurance agents come in two flavors

If you want to buy auto insurance from a reliable insurance agent, it’s helpful to know the different types of agencies that you can choose from. Auto insurance agents in Chula Vista are considered either independent agents or exclusive agents.

Exclusive Agencies

Agents of this type can only provide one company’s prices and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot place coverage with different providers so keep that in mind. They are highly trained on their company’s products which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agents in Chula Vista who may provide you with price quotes.

View more Chula Vista agents

Independent Insurance Agents

Agents that elect to be independent are appointed with more than one company so as a result can place your coverage with lots of companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and you don’t have to switch agencies.

When comparison shopping, we highly recommend that you get quotes from a few independent agents to get the most accurate price comparison.

Listed below are Chula Vista independent agencies who can help you get price quotes.

View more Chula Vista agents

How to know if you need help

Keep in mind that when it comes to choosing your policy, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that
For instance, these questions can help discover if you would benefit from professional advice.

• Exactly who is provided coverage by my policy?
• How can I force my company to pay a claim?
• I have a DUI can I still get coverage?
• Am I covered when driving in Canada or Mexico?
• Does coverage extend to my business vehicle?
• Does my car insurance cover rental cars?
• Does my Volvo XC70 need full coverage?
• Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

In the end, you can save money

As you quote Chula Vista car insurance, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

Lower-priced Volvo XC70 insurance in Chula Vista is available online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not have internet price quotes and many times these regional carriers sell through independent agencies.

For more information, feel free to browse these articles:

• Insurance Losses by Make and Model (iihs.org)
• Who Has Cheap Car Insurance Quotes After a Speeding Ticket in Chula Vista? (FAQ)
• Winter Driving (Insurance Information Institute)
• Learn About Car Insurance (GEICO)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Alcohol Impaired Driving FAQ (iihs.org)