Would you like to stop wasting money and find more competitive Volvo S60 insurance in Columbia? Searching for low-cost insurance for a Volvo S60 in South Carolina could be difficult, but you can learn the following methods to save time.
There are both good and bad ways to buy auto insurance so we're going to tell you the proper way to compare rates on a Volvo and get the best price possible either online or from Columbia insurance agents.
The easiest way to compare rate quotes for Volvo S60 insurance in Columbia is to know the trick all the major auto insurance companies allow for online access to give free rates quotes. The only thing you need to do is give the companies some data such as which vehicles you own, how you use your vehicles, your job, and if you're married. The data gets sent immediately to many different companies and they respond with quotes immediately.
To get price quotes for your Volvo S60 now, click here and find out if you can get cheaper insurance in Columbia.
The following companies offer free quotes in Columbia, SC. If the list has multiple companies, it's highly recommended you visit several of them in order to find the cheapest rates.
Discounts for cheap insurance quotes
Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Some of these discounts will be visible when you quote, but some must be manually applied in order for you to get them.
- Driver Training Discounts - Taking a course teaching safe driver skills could cut 5% off your bill and also improve your driving technique.
- Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Multiple Cars - Purchasing coverage when you have multiple cars or trucks on a single policy could earn a price break for each car.
- Passenger Safety Discount - Factory options such as air bags can qualify for discounts up to 30%.
- Discounts for Federal Employees - Active or retired federal employment could qualify for a slight premium decrease with select insurance companies.
- Professional Organizations - Belonging to specific professional or occupational memberships or organizations may earn a discount on your next renewal.
- Student Discounts - Excelling in school may save you up to 25%. The good student discount can last up to age 25.
- Safety Restraint Discount - Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Waiver for an Accident - This one isn't a discount, but companies like Allstate, Progressive, and GEICO may permit one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
- Service Members Pay Less - Being deployed in the military can result in better prices.
As a sidenote, some credits don't apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
If you would like to see a list of companies that offer discounts in South Carolina, click here to view.
How Car Insurance Companies Calculate Volvo S60 Insurance Costs
Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but some are not quite as obvious such as whether you are married or your vehicle rating.
Shown below are some of the major factors companies use to determine your rates.
If you don't need it don't buy it - Insurance policies have a lot of optional add-on coverages that you can buy but may not be useful. Insurance for things like vanishing deductibles, towing coverage, and extra life insurance coverage are probably not needed. These coverages may sound good when you first buy your policy, but if you've never needed them in the past think about removing them and cutting costs.
Bad driving leads to higher costs - Even a single ticket could increase your next policy renewal by as much as thirty percent. Good drivers pay less for auto insurance than bad drivers. Drivers who have gotten severe violations such as hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.
Deter theft and lower prices - Buying a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
Do you have enough liability insurance? - Your policy's liability coverage is the protection when a court rules you are at fault for causing personal injury or damage in an accident. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Higher rates for specific employers - Jobs like judges, police officers, and medical professionals tend to pay higher rates than the rest of us due to intense work situations and incredibly demanding work hours. Other occupations like scientists, engineers and retirees have lower than average premiums.
Insurance rates for married couples - Walking down the aisle may cut your premiums compared to being single. Having a significant other means you're less irresponsible and statistics show drivers who are married file infrequent claims.
Companies want multiple policies - Most major auto insurance companies afford discounts to buyers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, consumers should still compare Volvo S60 rates in Columbia to ensure the best deal. You may still be able to find lower rates even if you insure with multiple companies
Don't abuse insurance claims - Car insurance companies in South Carolina award better rates to policyholders who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended for the large, substantial claims.
Volvo S60 claim probability - Car insurance companies use past insurance losses to help calculate a profitable premium price. Models that the data determines to have high amounts or severity of claims will cost more to insure. The table below illustrates the actual insurance loss data for Volvo S60 vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate more frequent losses or an increased chance of a larger loss.
Volvo S60 Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volvo S60 4dr 2WD||103||85||83||76||72||65|
|Volvo S60 4dr 4WD||111||73||90||65||66|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Get rate quotes but buy from a local Columbia insurance agency
A small number of people prefer to go talk to an agent and that is a smart decision Insurance agents are trained to spot inefficiencies and help file insurance claims. A nice benefit of comparing rates online is that drivers can save money and get the best rates and also buy local. Putting coverage with local insurance agents is important especially in Columbia.
By using this short form, the quote information is instantly submitted to agents in your area who want to provide quotes for your business. You don't have to search for any insurance agencies since price quotes are sent immediately to your email address. If for some reason you want to get a price quote from a particular provider, feel free to visit that company's website and fill out their quote form.
Pick the best auto insurance agent in Columbia for you
If you want to use a good insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents in Columbia can be classified as either independent agents or exclusive agents depending on their employer. Either type can sell auto insurance policies, but it's worth mentioning the difference between them because it can impact your selection of an agent.
Independent Auto Insurance Agents
Agents that elect to be independent often have many company appointments so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and the insured can keep the same agent. If you are comparing auto insurance prices, you absolutely need to compare quotes from independent agents to have the most options to choose from. Many independent agencies also insure through different regional companies which could offer lower prices.
Shown below is a partial list of independent agents in Columbia that can possibly get you price quote information.
- Affordable Insurance Group
6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map
- Butler's Insurance Agency
1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map
- Sauls Insurance Agency
4064 W Beltline Blvd - Columbia, SC 29204 - (803) 256-8983 - View Map
Agents of this type can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on sales techniques and that can be a competitive advantage. Some consumers prefer to use the same exclusive agent primarily because of the prominence of the brand rather than low rates.
Shown below is a list of exclusive insurance agencies in Columbia that can give you comparison quotes.
- Allstate Insurance: Eric Loebs
6911 N Trenholm Rd #3 - Columbia, SC 29206 - (803) 782-5445 - View Map
- Jimmy Gilbert Jr - State Farm Insurance Agent
1303 Assembly St Ste A - Columbia, SC 29201 - (803) 799-3077 - View Map
- Marilyn Wilson - State Farm Insurance Agent
10201 Two Notch Rd - Columbia, SC 29229 - (803) 788-2884 - View Map
Picking an car insurance agent should include more criteria than just the bottom line cost. These questions are important to ask:
- Do they have designations such as AIC, CPCU, or CIC?
- If they are an independent agency in Columbia, which companies do they recommend?
- How often do they review policy coverages?
- Do you work with a CSR or direct with the agent?
- What kind of financial rating does the company have?
One last thing about your coverage
People change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, policy non-renewal and even an unsatisfactory settlement offer. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.
We just covered a lot of tips how to reduce Volvo S60 insurance premium rates online in Columbia. The key concept to understand is the more companies you get prices for, the higher your chance of finding affordable Volvo S60 insurance quotes. You may even find the biggest savings come from a company that doesn't do a lot of advertising.
When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. There have been many cases where someone dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
Additional auto insurance information can be found at these links:
- Liability Insurance Coverage (Nationwide)
- What Auto Insurance is Cheapest for Immigrants in South Carolina? (FAQ)
- What is the Best Cheap Auto Insurance in Socastee, SC? (FAQ)
- Who Has the Cheapest Car Insurance for Welfare Recipients in South Carolina? (FAQ)
- How Much is Car Insurance for Infrequent Drivers in South Carolina? (FAQ)
- Booster Seat Ratings (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)