The best way we recommend to save money on Volvo C30 insurance is to start comparing prices regularly from companies in Virginia Beach. This can be done by completing these steps.
- Try to learn a little about how insurance works and the things you can control to drop your rates. Many things that result in higher prices like distracted driving and an unfavorable credit rating can be remedied by paying attention to minor details. Later in this article we will cover information to prevent high prices and find discounts that may have been missed.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can quote rates for a wide range of insurance providers.
- Compare the price quotes to your existing policy and determine if there is any savings. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
- Give proper notification to your current agent or company of your decision to cancel your current auto insurance policy. Submit the application along with any required down payment for your new coverage. Don’t forget to safely store the certificate verifying proof of insurance along with your vehicle registration.
One tip to remember is to try to use identical coverage information on every quote request and and to get rates from as many carriers as you can. This provides a fair rate comparison and a thorough price selection.
It’s safe to assume that auto insurance companies want to keep you from comparing rates. Consumers who shop rates annually will, in all likelihood, buy a new policy because of the high probability of finding better rates. Remarkably, a study showed that drivers who routinely shopped for cheaper coverage saved an average of $70 a month compared to policyholders who never compared other company’s rates.
If saving money on Volvo C30 insurance in Virginia Beach is your goal, then having some insight into the best ways to find and compare coverages can save time, money, and frustration.
Locating the best insurance company for you in Virginia Beach can be made easier if you know where to look. Nearly every driver who shops around for auto insurance will most likely buy a cheaper policy. But Virginia drivers do need to understand how insurance companies compete online because it varies considerably.
The best way to get rate comparisons for Volvo C30 insurance in Virginia Beach is to know the trick most of the bigger providers participate in online systems to give rate comparisons. The only thing you need to do is give them rating details such as any included safety features, how old drivers are, if the vehicle is leased, and whether or not you need a SR-22. Your insurance information is instantly sent to multiple companies and they return cost estimate quickly.
To check rates for your car now, click here and enter your zip code.
The companies shown below are ready to provide price quotes in Virginia. To locate cheap car insurance in VA, it’s a good idea that you compare several of them in order to find the most affordable rates.
Car insurance is an important decision
Despite the high cost of buying insurance for a Volvo C30 in Virginia Beach, insuring your vehicle is required by state law in Virginia and it also provides benefits you may not be aware of.
First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a loan on your car, almost every bank will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Volvo at a more expensive rate and require you to fork over a much higher amount than you were paying before.
Third, car insurance protects both your assets and your vehicle. Insurance will also pay for medical transport and hospital expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney in the event you are sued. If your Volvo gets damaged, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. Today the average American driver is currently overpaying as much as $750 every year so we recommend shopping around at every policy renewal to make sure the price is not too high.
Rate information and statistics
The coverage information shown below highlights a range of insurance premium costs for Volvo C30 models. Understanding more about how premiums are calculated can benefit drivers when making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C30 T5 R-Design||$126||$228||$266||$16||$80||$716||$60|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in specific garaging location which can lower or raise premiums considerably.
The chart below highlights how deductible selection and can affect Volvo C30 insurance premiums for different age groups. The premiums assume a married female driver, comp and collision included, and no discounts are applied to the premium.
Drive safe and save
The chart below demonstrates how speeding tickets and at-fault claims can raise Volvo C30 yearly insurance costs for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
Premiums by gender and age
The chart below compares Volvo C30 insurance costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.
Do you need full coverage?
The information below compares Volvo C30 car insurance costs with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $1,000 deductibles, single status, and no other discounts are factored in.
When to stop buying full coverage
There is no definitive guideline to delete full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Volvo C30 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the policy deductible has been paid. If premiums are more than $700 a year to have full coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Verify you’re earning every discount
Companies don’t always list every available discount very clearly, so here is a list both well-publicized and also the more inconspicuous credits that may apply to you.
- Auto/Home Discount – If you can combine your auto and homeowners policy with one company you could earn a discount of up to 20% and get you inexpensive Volvo C30 insurance in Virginia Beach.
- Drive Less and Save – Driving less may allow you to get cheaper car insurance rates.
- College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Virginia Beach and leave their car at home may be insured at a cheaper rate.
- ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
- Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Telematics Devices – People who choose to allow their car insurance company to scrutinize driving manner through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they are good drivers.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
- Federal Employees – Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Remember that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears you can get free auto insurance, car insurance companies aren’t that generous.
The chart below illustrates the comparison of Volvo C30 auto insurance rates with and without discounts applied to the premium. The information is based on a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.
Companies who may offer these discounts possibly include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
If you are trying to find affordable Virginia Beach auto insurance quotes, ask each company which credits you are entitled to. A few discounts may not apply to policies in Virginia Beach. If you would like to choose from a list of providers who offer cheap Volvo C30 insurance quotes in Virginia Beach, follow this link.
When to get advice from an insurance agent
Many people would prefer to buy from a licensed agent and that is a personal choice. The best thing about comparing insurance prices online is the fact that you can find cheap car insurance quotes but still work with a licensed agent.
Upon completion of this short form, your insurance coverage information is submitted to local insurance agents that provide free Virginia Beach auto insurance quotes and help you find cheaper coverage. You won’t need to leave your computer since rate quotes are delivered immediately to you. You can find lower rates and a licensed agent to work with. In the event you want to compare prices from a specific insurance company, you can always jump over to their website and complete a quote there.
Choosing the best provider should include more criteria than just a cheap quote. You should also get answers to these questions.
- How experienced are they in personal risk management?
- Will the quote change when the policy is issued?
- How long has their agency been in business in Virginia Beach?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agency provide any after hours assistance?
- Do they have any clout with companies to ensure a fair claim settlement?
- Which companies can they place coverage with?
If you would like to find a reputable insurance agent or broker, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Virginia Beach agents are categorized either independent agents or exclusive agents depending on their employer.
Agents that elect to be exclusive are contracted to one company like State Farm, AAA, and Liberty Mutual. They generally cannot compare rates from other companies so it’s a take it or leave it situation. They are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers often use the same agent primarily because of the brand name and solid financial strength.
Shown below is a short list of exclusive agents in Virginia Beach that can give you rate quotes.
- Farmers Insurance – John Williams
5269 Greenwich Rd #200 – Virginia Beach, VA 23462 – (757) 456-9440 – View Map
- Ed Barnhart – State Farm Insurance Agent
5660 Indian River Rd #126 – Virginia Beach, VA 23464 – (757) 366-0322 – View Map
- Milt Rawles – State Farm Insurance Agent
5265 Providence Rd #200 – Virginia Beach, VA 23464 – (757) 424-4656 – View Map
Independent Car Insurance Agencies
Independent insurance agents are appointed with more than one company so they can insure your vehicles through many companies and get you the best rates possible. If they find a lower price, your agent can switch companies and you stay with the same agent. When comparison shopping, we highly recommend that you get quotes from at a minimum one independent agency for maximum quote selection. Most independent agents also contract with small mutual carriers which can be an advantage.
Below is a short list of independent insurance agencies in Virginia Beach willing to provide comparison quotes.
- Nicki Kopassis Insurance Agency Inc.
2433 N Landing Rd – Virginia Beach, VA 23456 – (757) 301-6397 – View Map
- Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
- Huffman Insurance Agency
5541 Parliament Dr #209 – Virginia Beach, VA 23462 – (757) 200-3183 – View Map
What is the best auto insurance coverage?
When buying insurance from an agent or online, there really isn’t a cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that might help in determining if your situation might need professional guidance.
- How can I get my company to pay me more for my totaled car?
- What is an SR-22 filing?
- Why do I only qualify for high-risk insurance?
- Can my babysitter drive my car?
- Why do I have to buy liability insurance?
- Can my teen drive my company car?
- What are the liability requirements in my state?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.
Affordable car insurance rates are out there
Cost effective Volvo C30 insurance can be sourced both online in addition to many Virginia Beach insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and many times these regional carriers sell through independent agents.
People who switch companies do it for any number of reasons including high prices, extreme rates for teen drivers, poor customer service and unfair underwriting practices. Whatever your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.
While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, an insured dropped liability coverage limits and learned later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.
More tips and info about car insurance can be found in the articles below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Cheap Virginia Beach Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance for High School Students? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Coverage Information (Progressive Insurance)
- Distracted Driving Extends Beyond Texting (State Farm)
- What are my Rights when Filing a Claim? (Insurance Information Institute)