How to Save on Volvo C70 Insurance in Houston

Searching for more affordable Volvo C70 insurance in Houston? Comparing and finding low cost rates for Volvo C70 insurance in Houston might be hard for drivers new to online insurance quotes. Drivers have so many choices that it can be a difficult challenge to find the perfect company for you.

Discount Volvo C70 insuranceIt’s hard to believe, but a large majority of drivers in Texas kept their coverage with the same car insurance company for four years or more, and 38% of customers have never compared quotes from other companies. With the average car insurance premium being $1,847, American drivers could save roughly 46.5% a year by just comparing quotes, but they don’t believe how much money they would save if they swap their current policy for a cheaper one.

Consumers need to compare rates before your next renewal because prices are adjusted regularly by insurance companies. Even if you got the lowest quotes on Volvo C70 insurance in Houston a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to buy cheaper Volvo C70 insurance in Houston.

Buying the lowest cost auto insurance policy in Houston is quite easy. In essence, everyone who has to buy auto insurance most likely will be able to cut their insurance bill. Although Texas vehicle owners must learn the way insurance companies market insurance on the web.

Cheap Houston auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but a few need to be requested specifically prior to receiving the credit.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Auto insurance companies who might offer these benefits include:

Before buying, ask each company to give you their best rates. Some of the earlier mentioned discounts may not apply in Houston. To locate companies with discount rates in Texas, follow this link.

Compare quotes for Houston Volvo C70 insurance

All the larger car insurance companies like Progressive, Allstate and GEICO provide prices direct online. Comparing Volvo C70 insurance rates online can be done by anyone as you simply enter your coverage preferences into the quote form. Upon sending the form, the system automatically orders your credit score and driving record and provides a quote determined by many factors.

This makes it a lot easier to compare rates and it’s very important to compare as many rates as possible in order to get cheap prices.

If you want to fill out one form to compare multiple rates now, check out the car insurance providers below. If you currently have coverage, we recommend that you enter the limits and deductibles just like they are on your policy. Doing this assures you will be getting rate quotes for the exact same coverage.

The providers in the list below have been selected to offer price comparisons in Texas. If multiple companies are shown, we suggest you visit two to three different companies to get a more complete price comparison.


Volvo C70 Insurance Rate Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $176 $360 $284 $16 $86 $922 $77
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can modify premiums significantly.

Safe drivers pay less for auto insurance

The chart below demonstrates how citations and at-fault fender-benders can drive up Volvo C70 insurance prices for each age group. The data assumes a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Physical damage deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The comparisons below summarize how much more you’ll pay between high and low comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.


Volvo C70 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $332 $584 $252 $14 $76 $1,283 $107
Get Your Own Custom Quote Go

Volvo C70 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $206 $368 $252 $14 $76 $916 $76
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Houston which can raise or lower coverage rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you about $31 more each month or $372 annually than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 24 months between claim filings, you would probably be better off by selecting a higher deductible.

Males versus Females

The illustration below shows the comparison of Volvo C70 auto insurance rates for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Local insurance agents

Certain consumers still prefer to visit with an insurance agent and that can be a great decision The biggest benefit of getting online price quotes is you may find cheap rate quotes and still choose a local agent. And buying from neighborhood agents is important especially in Houston.

Insurance agency in HoustonTo find an agent, once you fill out this quick form, your coverage information gets sent to participating agents in Houston that give free quotes for your coverage. You don’t have to find an agent since price quotes are sent immediately to your email address. You can find the lowest rates and work with a local agent. If for some reason you want to compare rates for a specific company, you can always go to their quote page and submit a quote form there.

When searching for a reliable insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Houston may be either exclusive agents or independent agents.

Independent Insurance Agents

Independent agencies are not employed by one company and that gives them the ability to insure with a variety of different insurance companies depending on which coverage is best. To move your coverage to a new company, they can switch companies in-house and you don’t have to switch agencies.

If you are trying to find cheaper rates, you definitely need to include price quotes from independent agents for the best price selection. They also have the ability to place coverage with small mutual carriers which can save you money.

Below is a partial list of independent insurance agencies in Houston who may be able to give you free car insurance rate quotes.

More insurance agents

Exclusive Insurance Agencies

These type of agents can only provide one company’s prices like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to give you multiple price quotes so always compare other rates. These agents are trained well on their company’s products which helps them compete with independent agents. Some consumers prefer to buy from the same agent for years mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a list of exclusive agencies in Houston who can help you get price quote information.

More insurance agents

Picking the best auto insurance agent requires more thought than just the quoted price. Here are some questions to ask:

After receiving reasonable responses to your questions as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that will properly service your car insurance policy. It’s important to know that you are able to cancel your policy at any time so don’t think that you are permanently stuck with any specific agency for any length of time.

Three reasons to insure your Volvo C70

Even though it’s not necessarily cheap to insure a Volvo in Houston, car insurance may be required for several reasons.

The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. Despite what companies tell you, the average driver is wasting up to $865 each year so compare rates each time the policy renews to ensure rates are inline.

Car insurance policy specifics

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 30/60/25 which stand for a $30,000 limit per person for injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, court costs, repair bills for other people’s vehicles, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy higher limits.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your C70 to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, EMT expenses, pain medications and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, falling objects, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

You can lower your auto insurance rates

We just presented a lot of tips how to lower your Volvo C70 insurance prices in Houston. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best prices are with some of the lesser-known companies.

Lower-priced auto insurance in Houston is definitely available both online and also from your neighborhood Houston agents, so you need to shop Houston auto insurance with both so you have a total pricing picture. Some auto insurance companies may not offer internet price quotes and many times these smaller providers prefer to sell through independent agents.

People switch companies for many reasons like lack of trust in their agent, poor customer service, policy cancellation and unfair underwriting practices. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

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