The recommended way to find affordable auto insurance rates in Fresno is to compare quotes once a year from different companies in California. You can shop around by following these guidelines.
- Step 1: Get a basic knowledge of how auto insurance works and the measures you can take to prevent expensive coverage. Many risk factors that cause rate increases like traffic citations and a bad credit rating can be amended by making lifestyle changes or driving safer. This article gives tips to lower rates and get additional discounts.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of companies. Select a company
- Step 3: Compare the new rates to your existing policy to determine if you can save on C70 insurance. If you can save some money and switch companies, make sure there is no lapse in coverage.
- Step 4: Give notification to your current company to cancel your current policy. Submit payment and a completed application to your new carrier. Once coverage is bound, keep the new certificate verifying coverage in a readily accessible location in your vehicle.
The critical component of shopping around is to use similar deductibles and liability limits on each quote and and to get rates from all possible companies. This ensures a fair rate comparison and a complete price analysis.
A recent auto insurance study discovered that the vast majority of auto insurance customers kept their coverage with the same auto insurance company for well over three years, and just short of a majority have never shopped around. Fresno insurance shoppers could pocket up to 35% a year just by comparing rates, but they just don’t understand how easy it is to find affordable auto insurance rates.
Volvo C70 insurance analysis
The premium information shown below showcases estimates of prices for Volvo C70 models. Being able to understand how auto insurance prices are formulated can help you make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $184 | $354 | $274 | $16 | $82 | $910 | $76 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can affect auto insurance rates substantially.
Choosing deductibles
The hardest decision when buying coverage is how low should you set your deductibles. The comparison tables below outline the rate differences between high and low policy deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $386 | $678 | $292 | $18 | $88 | $1,487 | $124 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $314 | $546 | $292 | $18 | $88 | $1,258 | $105 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in specific garaging location which can influence premiums noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $19 more each month or $228 every year averaged for all C70 models than buying the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claims, you would come out ahead if you opt for a higher deductible.
Volvo C70 insurance costs by age and gender
The chart below visualizes the comparison of Volvo C70 car insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Cheap Fresno auto insurance rates with discounts
Companies do not advertise every discount in an easy-to-find place, so the list below contains both the well known and also the more inconspicuous credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
- Drive Less and Save – Low mileage vehicles can earn cheaper auto insurance rates.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
- E-sign Discounts – Some larger companies provide a small discount get Fresno auto insurance over the internet.
- Data Collection Discounts – Insureds that choose to allow their insurance company to monitor driving habits by using a telematic data system such as Progressive’s Snapshot may see discounts if they show good driving skills.
- Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off but check with your company.
- Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
Don’t be shocked that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way.
The information below illustrates the comparison of Volvo C70 insurance costs with and without some available policy discounts. The data is based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, marriage, and claim-free discounts applied.
A list of companies and a selection of discounts are detailed below.
- Progressive offers discounts including good student, online quote discount, multi-vehicle, continuous coverage, homeowner, and multi-policy.
- MetLife policyholders can earn discounts including good driver, claim-free, accident-free, multi-policy, and defensive driver.
- Mercury Insurance discounts include multi-policy, annual mileage, accident-free, good student, and ease of repair.
- Nationwide may include discounts for accident-free, anti-theft, business or organization, multi-policy, good student, and Farm Bureau membership.
- GEICO has savings for emergency military deployment, military active duty, daytime running lights, driver training, and defensive driver.
- AAA has discounts for anti-theft, education and occupation, good student, good driver, and pay-in-full.
If you need affordable Fresno auto insurance quotes, ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply in your state.
Learn about insurance coverages for a Volvo C70
Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.
Liability coverages – This protects you from damage that occurs to people or other property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like bail bonds, repair costs for stationary objects, medical services, structural damage and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford. California requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.
The chart below demonstrates why buying low liability limits may not be adequate coverage.
Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, rock chips in glass, vandalism and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage – This will pay to fix damage to your C70 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as scraping a guard rail, colliding with a tree, crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your C70 to get cheaper collision coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like surgery, hospital visits, pain medications, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo C70.
Due to the fact that many California drivers only carry the minimum required liability limits (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
How to find a good Fresno auto insurance company
Finding the right car insurance company can be challenging considering how many companies there are in California. The company ratings displayed below can help you analyze which insurers to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Find cheap rates by being thorough
Lower-priced Volvo C70 insurance in Fresno can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and these smaller providers only sell coverage through independent insurance agencies.
You just read many tips how you can compare Volvo C70 insurance auto insurance rates in Fresno. The key concept to understand is the more providers you compare, the higher your chance of finding low cost Fresno auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.
When searching for affordable Volvo C70 insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at the best price, not the least amount of coverage.
Additional car insurance information can be read below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Fresno Car Insurance Rates for Drivers with a DUI? (FAQ)
- Who Has the Cheapest Fresno Car Insurance Rates for a Nissan Altima? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)