Cheap Insurance for a Volvo XC70 in Atlanta

Searching for better insurance prices for your Volvo XC70 in Georgia can normally be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to get price quotes for a Volvo and find the lowest possible price.

Surprisingly, a recent survey revealed that the vast majority of consumers kept their coverage with the same insurance company for more than four years, and nearly 40% of drivers have never taken the time to shop around. Most drivers in Atlanta could save about 60% every year by just shopping around, but they don’t invest the time required to find lower-cost rates by getting comparison quotes.

Companies offer lots of discounts on Volvo XC70 insurance in Atlanta

Some providers don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find ways to save on auto insurance.

• Save with More Vehicles Insured – Buying coverage for multiple cars on a single policy qualifies for this discount.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
• College Student Discount – Older children living away from Atlanta attending college and do not have a car may be insured at a cheaper rate.
• Cautious Driver Discount – Insureds without accidents can pay as much as 50% less as compared to drivers with claims.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Government Employees – Being employed by or retired from a federal job may reduce rates when you quote Atlanta car insurance with select insurance companies.
• Low Miles Discount – Low annual miles could earn discounted premium rates on garaged vehicles.
• New Vehicle Savings – Putting auto insurance coverage on a new XC70 can cost up to 25% less because new vehicles are generally safer.
• Multi-policy Discount – If you can combine your auto and homeowners policy with one insurance company you could save over 10 percent off each policy depending on the company.

As a sidenote, some of the credits will not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you could get a free auto insurance policy, nobody gets a free ride.

Car insurance companies that may include these money-saving discounts possibly include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

It’s a good idea to ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply in Atlanta. If you would like to see a list of insurers who offer online Volvo XC70 insurance quotes in Atlanta, click here to view.

The car insurance companies shown below offer free rate quotes in Atlanta, GA. If multiple companies are shown, we suggest you click on several of them in order to get a fair rate comparison.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium costs do not factor in vehicle location which can modify prices greatly.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is what deductibles to buy. The tables below highlight the differences in premium rates when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can affect coverage rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $19 more each month or $228 a year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 13 months between claim filings, you would most likely save money by selecting a higher deductible.

When in doubt talk to an agent

Always keep in mind that when comparing coverage for your vehicles, there really is not a “best” method to buy coverage. Your financial needs are unique so this has to be addressed.
For example, these questions might help in determining if your insurance needs will benefit from professional help.

• When would I need rental car insurance?
• Do they offer discounts for home and auto coverage?
• Are rental cars covered under my policy?
• What if I owe more than I can insure my car for?
• When can I cancel my policy?
• I have a DUI can I still get coverage?
• What does PIP insurance cover?
• How much coverage applies to personal belongings?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Local Atlanta car insurance agents

A lot of people prefer to go talk to an agent and doing that can be a smart decision Professional insurance agents can answer important questions and help in the event of a claim. A good thing about comparing rates online is the fact that drivers can get the best rates and also buy local. Buying from neighborhood insurance agencies is still important in Atlanta.

By using this quick form, your insurance coverage information is emailed to participating agents in Atlanta that can give you free Atlanta car insurance quotes for your business. It makes it easy because there is no need to leave your house because prices are sent immediately to you. If for some reason you want to compare rates from one company in particular, don’t hesitate to visit that company’s website and fill out the quote form the provide.

If you want to use a reputable agency, you should know the types of agencies from which to choose. Car insurance agents are considered either exclusive or independent (non-exclusive). Either type can write policy coverage, but it’s important to know the difference between them since it could factor into which agent you choose.

Independent Car Insurance Agencies

Agents of this type are not restricted to one company so as a result can place your coverage with an assortment of companies and find you the best rates. If your premiums go up, they simply move the coverage in-house and you don’t have to do anything.

If you are trying to find cheaper rates, we highly recommend that you get several quotes from multiple independent agents so that you have a good selection of quotes to compare. Most also write with companies that do not advertise much which can save you money.

The following are independent agencies in Atlanta that can give you free car insurance rate quotes.

• Siegel Insurance
  2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map
• Nationwide Insurance: Kevin Thompson Agency
  216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map
• Nationwide Insurance: Slater Insurance Agency LLC
  501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356 – View Map

View more agents

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only provide one company’s prices like Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. These agents are very knowledgeable on their products and sales techniques which aids in selling service over price. Some insured continue to use the same agent mostly because of the prominence of the brand rather than low rates.

Listed below are exclusive insurance agents in Atlanta that are able to give comparison quotes.

• Allstate Insurance: Laura Leidigh
  7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 – View Map
• Kaitlin Ponce – State Farm Insurance Agent
  2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190 – View Map
• Farmers Insurance – Anissa Few Davenport
  2030 Bolton Rd NW #200 – Atlanta, GA 30318 – (678) 705-5898 – View Map

View more agents

Picking the best insurance agent shouldn’t rely on just the quoted price. Some important questions to ask are:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• If independent agents, which companies do they recommend?
• How long have they worked with personal auto insurance coverage?
• Does the agent recommend any additional coverage?
• Do they review policy coverages at every renewal?
• Do they have any clout with companies to ensure a fair claim settlement?

How much can you save?

Cost effective Volvo XC70 insurance is attainable on the web in addition to local insurance agencies, so you need to shop Atlanta car insurance with both so you have a total pricing picture. Some insurance providers may not have the ability to get quotes online and these regional insurance providers only sell through independent insurance agents.

We’ve covered some good ideas how to save on Volvo XC70 insurance in Atlanta. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest Volvo XC70 rate quotes. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

For more information, feel free to browse these articles:

• Where can I buy Insurance? (Insurance Information Institute)
• What Insurance is Cheapest for 4×4 Vehicles in Atlanta? (FAQ)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Auto Insurance Facts and Statistics (Insurance Information Institute)