Do you want a faster way to compare the cheapest Volvo XC60 insurance in Chula Vista? Finding the cheapest insurance for your Volvo XC60 in California can normally be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to price shop coverage on a Volvo and find the lowest possible price.
Unimaginable but true, almost 70% of insureds in California have been with the same company for a minimum of four years, and almost 40% of drivers have never compared rates with other companies. Most drivers in the United States could save an average of up to 47% each year by just comparing quotes, but they just feel it’s too hard to compare rates online.
If you’re already insured or are looking for a new policy, you can follow these tips to reduce the price you pay without reducing protection. Finding the lowest-priced insurance in Chula Vista is not as hard as you think. Smart shoppers just need to use the proper way to get comparison rates online.
How to get affordable Volvo XC60 insurance in Chula Vista, CA
Reducing your Volvo XC60 insurance rates is a great way to save money. The only thing you need to do is spend a few minutes comparing free Chula Vista auto insurance quotes from online providers.
The companies shown below can provide comparison quotes in Chula Vista, CA. If you want to find cheap auto insurance in California, we suggest you visit several of them to find the lowest auto insurance rates.
Volvo XC60 insurance rates and statistics
The information shown next outlines a range of insurance prices for Volvo XC60 models. Learning as much as possible about how auto insurance prices are determined can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $294 | $564 | $424 | $26 | $128 | $1,436 | $120 |
| XC60 3.2 AWD | $332 | $564 | $424 | $26 | $128 | $1,474 | $123 |
| XC60 T6 AWD AWD | $332 | $664 | $424 | $26 | $128 | $1,574 | $131 |
| XC60 T6-R AWD AWD | $370 | $664 | $424 | $26 | $128 | $1,612 | $134 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in specific Chula Vista garaging location which can revise prices significantly.
Lower Your Chula Vista Insurance Premiums
Consumers need to have an understanding of some of the elements that are used to determine insurance rates. If you have some idea of what influences your rates, this helps enable you to make changes that may reward you with lower premium levels.
The type of car you drive affects your rates – The make and model of the vehicle you need to insure makes a significant difference in how high your rates are. The lowest rates are for lower cost passenger cars, but the final cost of insurance is determined by many other factors.
The chart below assumes a single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Volvo XC60 car insurance rates compared to other models of vehicles that have different risk factors.
Liability coverage limits on your policy – The liability coverage on your policy provides coverage in the event that you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Do thieves like your car? – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent vehicle theft.
Does car insurance cost more for men? – Statistics show that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Both sexes cause fender benders in similar percentages, but males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
The diagram below illustrates the comparison of Volvo XC60 car insurance costs for male and female drivers. The costs are based on no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
No coverage gaps is important – Letting your insurance expire can be a fast way to pay more for insurance. In addition to paying higher rates, getting caught without coverage could result in a hefty fine and possibly a revoked license.
Insurance losses for a Volvo XC60 – Insurers use data from past claims to help calculate a profitable premium rate. Models that statistically have a trend towards higher claims will have higher rates. The next table shows the insurance loss data used by companies for Volvo XC60 vehicles.
For each policy coverage, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Percentages below 100 are indicative of better than average losses, while values over 100 indicate a higher chance of having a claim or tendency to have larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volvo XC60 4dr 2WD | 79 | 74 | 70 | 60 | 53 | 55 |
| Volvo XC60 4dr 4WD | 93 | 82 | 75 | 66 | 64 | 57 |
Statistics from IIHS.org for 2013-2015 Model Years
Auto insurance does more than just protect your car
Despite the potentially high cost of Volvo XC60 insurance, insuring your vehicle is not optional due to several reasons.
- The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you want to drive legally. 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, it’s most likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Volvo for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards both your vehicle and your personal assets. It also can pay for most medical and hospital costs incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying auto insurance definitely exceed the cost, particularly if you ever have a claim. But the average driver in California is currently overpaying as much as $865 each year so it’s important to compare rates at least once a year to help ensure money is not being wasted.