Save Money on Volvo S60 Insurance in Houston

Are you irritated from trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other Texas consumers.

Sadly, the vast majority of consumers have bought car insurance from the same company for well over three years, and almost 40% of drivers have never compared rates to find cheap insurance. Drivers in Texas could cut their rates by about 70% a year just by getting comparison quotes, but they don’t invest the time required to save money by comparing rate quotes. Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive best rate on Volvo S60 insurance in Houston.

If you have coverage now or are shopping for new coverage, you can use these tips to save money without reducing coverage. Locating the best insurance company for you in Houston is not that difficult. Vehicle owners just have to learn the most efficient way to compare company rates instantly.

Companies offering Volvo S60 insurance in Houston

The companies in the list below are our best choices to provide free rate quotes in Houston, TX. If multiple companies are shown, we suggest you get rates from several of them to get the best price comparison.

Get lower-cost Volvo S60 insurance in Houston with discounts

Insurance is not inexpensive, but you might find some hidden discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but once in a while a discount must be asked for before being credited.

• Multi-policy Discount – When you combine your auto and homeowners insurance with the same insurance company you may save as much as 10 to 15 percent.
• Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
• Low Mileage Discounts – Keeping the miles down on your Volvo can qualify you for lower rates due to less chance of an accident.
• E-sign Discounts – Some insurance companies give back up to $50 just for signing your application on the web.
• Early Renewal Discounts – A few insurance companies allow discounts for buying a new policy prior to your current S60 insurance policy expiring. This discount can save up to 10%.
• Savings for New Vehicles – Putting insurance coverage on a new S60 can cost up to 25% less because new vehicles have to meet stringent safety requirements.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

To see insurance companies who offer free Volvo S60 insurance quotes in Texas, click this link.

It’s not one size fits all

When buying your policy, there really is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed.
For instance, these questions may help highlight whether or not you might need professional guidance.

• Is other people’s property covered if stolen from my vehicle?
• Should I buy additional glass protection?
• Is my trailer covered?
• Does my policy cover me if I wreck while driving under the influence?
• Will I lose any money if I cancel my policy before it expires?
• How can I get the company to pay a claim?
• Should I carry comprehensive and collision coverage?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Comparing rates from local Houston insurance agencies

Certain consumers still like to sit down with an agent and doing so can bring peace of mind Professional insurance agents are trained to spot inefficiencies and help file insurance claims. An additional benefit of comparing rate quotes online is that you can obtain cheap auto insurance quotes but still work with a licensed agent. Putting coverage with neighborhood insurance agencies is still important in Houston.

Once you complete this simple form, your coverage information is sent to local insurance agents in Houston that can give you free Houston car insurance quotes and help you find cheaper coverage. You won’t even need to find an agent on your own as quotes are delivered instantly to you. If for some reason you want to get a rate quote from a specific company, you just need to visit that company’s website and fill out their quote form.

Two different types of car insurance agents

When searching for a reliable insurance agency, you need to know there are two different agency structures that you can choose from. Agencies in Houston are considered either exclusive agents or independent agents. Both types can sell affordable auto insurance policies, but it’s worth learning the difference between them since it can impact your selection of an agent.

Independent Auto Insurance Agents (or Brokers)

Independent agencies are not limited to a single company so they can insure your vehicles with many different companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally which is easy for the insured.

When shopping rates, you will definitely want to compare quotes from at least one independent agent to get the most accurate price comparison.

Shown below is a short list of independent agents in Houston who can help you get rate quotes.

View more Houston agents

Exclusive Insurance Agents

Agents in the exclusive channel can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot provide rate quotes from other companies so they really need to provide good service. Exclusive agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets.

Listed below are exclusive agents in Houston who can help you get rate quotes.

View more Houston agents

Finding a good car insurance agent shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.

• What companies can they write with?
• What are the financial ratings for the companies they represent?
• How does the company pay claims for a total loss?
• Are they able to provide referrals?
• Is there a local claims center in Houston?
• Will the agent or a CSR service your policy?
• Is coverage determined by price?
• Are they in the agency full-time?

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Collision protection

This pays for damage to your S60 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your S60 to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy higher limits.

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Volvo S60.

Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

One last note

Some insurance companies do not provide online rate quotes and these regional carriers sell through independent agencies. Cost effective Volvo S60 insurance is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection.

In this article, we covered a lot of ways to find cheap Volvo S60 insurance in Houston. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from the smaller companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Even more information is located in the articles below:

• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Who Has the Cheapest Car Insurance for Used Cars in Houston? (FAQ)
• What Car Insurance is Cheapest for 17 Year Olds in Houston? (FAQ)
• Who Has the Cheapest Car Insurance for College Students in Houston? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• All About Airbag Safety (State Farm)