Volvo C70 Insurance Rate Quotes in San Francisco

Discount Volvo C70 insuranceWant to save money and find more affordable Volvo C70 insurance in San Francisco? Feel like you’re a prisoner to high-priced Volvo C70 insurance in San Francisco? Trust us, many San Francisco consumers are in the same pinch.

Sadly, about 70% of customers have bought car insurance from the same company for four years or more, and 38% of customers have never even shopped around for cheaper coverage. With the average premium in the United States being $1,847, drivers could save themselves as much as $860 a year by just shopping around, but they just don’t understand how easy it is to save money by comparing rate quotes.

Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite best rates possible on Volvo C70 insurance in San Francisco.

Companies offering Volvo C70 insurance in San Francisco

The providers in the list below provide comparison quotes in California. If multiple providers are shown, we suggest you click on several of them to find the most competitive car insurance rates.

Coverage information

The rate table below outlines a range of insurance costs for Volvo C70 models. Having knowledge of how insurance quotes are established can be useful when making smart choices when buying a car insurance policy.

Volvo C70 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $270 $536 $330 $20 $98 $1,254 $105
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in garaging location in San Francisco which can influence coverage rates greatly.

How high should deductibles be?

One of the most common auto insurance questions is where to set your physical damage deductibles. The following tables illustrate the differences in premium rates when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of rates 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 $386 $678 $292 $18 $88 $1,487 $124
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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 $238 $426 $292 $18 $88 $1,062 $89
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can change price quotes considerably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $35 more each month or $420 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 21 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): – $89
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Volvo C70 Insurance Price Factors

Part of the auto insurance buying process is learning the rating factors that go into determining your policy premiums. If you understand what determines base rates, this allows you to make educated decisions that can help you get big savings.

The items below are some of the things companies use to determine rates.

How old are your drivers? – Teen drivers in California are statistically proven to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto your auto insurance can really hurt. Older people are viewed as being more responsible, cause fewer claims and accidents, and usually have better credit.

The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Your career may increase rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, business owners, and dentists usually pay higher rates than the rest of us attributed to intense work-related stress and long work days. Other occupations such as scientists, athletes and homemakers pay lower than average rates.

Never allow your auto insurance policy to lapse – Allowing your coverage to lapse is a sure-fire way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance may result in a revoked license or a big fine.

Rural areas have lower prices – Being located in less populated areas of the country has definite advantages when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. People in densely populated areas tend to have more traffic problems and more severe claims. More time on the road means a statistically higher chance of an accident.

Get better prices after the wedding – Being married can get you a discount on auto insurance. It demonstrates that you tend to be more mature and statistics prove married couples file fewer claims.

Liability coverage safeguards assets – Liability insurance will afford coverage in the event that you are responsible for an accident. This coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.

Gender and insurance – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better drivers. Males and females have at-fault accidents in similar numbers, but the male of the species tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI). Young males are the most expensive to insure and therefore are the most expensive to insure.

The diagram below illustrates the difference between Volvo C70 car insurance costs for male and female drivers. The prices are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Get cheap Volvo C70 insurance in San Francisco with discounts

Car insurance can cost a lot, but there could be significant discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but a few need to be manually applied prior to receiving the credit.Discount insurance

You should keep in mind that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

The chart below illustrates the comparison of Volvo C70 insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

Companies and some of the premium reductions they offer are detailed below.

If you need inexpensive San Francisco car insurance quotes, ask every prospective company how you can save money. Some discounts listed above may not be offered everywhere. To find companies who offer insurance discounts in San Francisco, click here to view.

What if I want to buy from local San Francisco insurance agents?

Certain consumers would prefer to go talk to an agent and often times that is recommended A nice benefit of comparing insurance online is the fact that you can find cheap insurance quotes and still have a local agent. Supporting local insurance agencies is important especially in San Francisco.

After filling out this simple form, your insurance coverage information is transmitted to participating agents in San Francisco that provide free San Francisco car insurance quotes for your business. You never need to drive around because quoted prices will be sent directly to you. It’s the lowest rates and a licensed agent to work with. In the event you want to quote rates from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.

Pick the best car insurance agent in San Francisco for you

If you are wanting to find a reliable insurance agent, it can be helpful to understand the different types of agencies and how they work. Agencies in San Francisco are either independent or exclusive depending on the company they work for.

Independent Agents

Independent agents do not sell for just one brand and that gives them the ability to insure through lots of different companies and get the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When comparing insurance rates, it’s a good idea to get rate quotes from several independent agencies so that you can do a thorough price comparison.

Listed below is a short list of independent agencies in San Francisco that may be able to provide price quote information.

CAL Insurance and Associates
2311 Taraval StSan Francisco, CA 94116(415) 661-6500View Map

2225 Taraval StSan Francisco, CA 94116(415) 665-0181View Map

Flood Building, 870 Market St #740San Francisco, CA 94102(415) 951-0738View Map

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Exclusive Agencies

Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance or State Farm. Exclusive agents are unable to shop your coverage around so keep that in mind. Exclusive agents receive extensive training in insurance sales which helps them sell on service rather than price.

The following are San Francisco exclusive insurance agencies that are able to give price quote information.

1820 Van Ness AveSan Francisco, CA 94109(415) 776-2190View Map

1215 9th Ave bSan Francisco, CA 94122(415) 661-3650View Map

425 Market St #2252San Francisco, CA 94105(415) 292-8088View Map

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Picking the best insurance agent requires more thought than just the premium amount. These are some questions you should get answers to.

How do I know if I need professional advice?

When it comes to choosing insurance from an agent or online for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect thatSafe vehicles cost less to insure
For example, these questions could help you determine whether you will benefit from professional help.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Do the work, save more money

There are still a few companies who do not provide price quotes online and these regional carriers only sell through independent insurance agencies. More affordable insurance in San Francisco is definitely available from both online companies in addition to many San Francisco insurance agents, so compare prices from both to have the best selection.

Throughout this article, we presented many tips how you can compare Volvo C70 insurance car insurance rates in San Francisco. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

How to find cheaper Volvo C70 insurance in San Francisco

It takes a few minutes, but the best way to find lower priced auto insurance rates in San Francisco is to compare prices regularly from different companies who provide auto insurance in California. Rates can be compared by following these guidelines.

  1. Get a basic knowledge of how auto insurance works and the things you can control to keep rates in check. Many policy risk factors that cause rate increases like traffic citations, accidents, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can quote prices from multiple sources.
  3. Compare the new rate quotes to your existing policy to determine if you can save on C70 insurance. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current agent or company to cancel the current policy and submit payment and a signed application to the new insurer. Once the paperwork is finalized, put the new certificate of insurance in your vehicle.

The most important part of shopping around is that you use the same amount of coverage on each quote request and and to get price quotes from as many companies as feasibly possible. Doing this provides an apples-to-apples comparison and the best price selection.

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