How to Save on Volvo XC60 Insurance in Los Angeles

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Insurance for Volvo XC60Searching for more competitive car insurance rates in Los Angeles, CA? Los Angeles consumers have lots of choices when looking for affordable Volvo XC60 insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance so you're going to learn the best way to get price quotes for a Volvo and locate the lowest possible price.

These tips will help educate you on the best ways to compare prices and some tricks to saving. If you currently have a car insurance policy, you should be able to shop for the lowest rates using these tips. Shoppers just have to use the best way to compare different rates over the internet.

The auto insurance companies shown below are our best choices to provide comparison quotes in California. If multiple companies are listed, we recommend you click on several of them to get the cheapest price.

Coverage information

The price information shown next highlights different insurance policy prices for Volvo XC60 models. Learning as much as possible about how rate quotes are established can assist in making decisions when shopping your coverage around.

Volvo XC60 Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $278 $464 $376 $22 $112 $1,252 $104
XC60 3.2 AWD $314 $464 $376 $22 $112 $1,288 $107
XC60 T6 AWD AWD $314 $546 $376 $22 $112 $1,370 $114
XC60 T6-R AWD AWD $348 $546 $376 $22 $112 $1,404 $117
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter coverage rates significantly.

How high should deductibles be?

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below may help you to understand the rate differences between low and high physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Volvo XC60 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $380 $686 $376 $22 $112 $1,601 $133
XC60 3.2 AWD $430 $686 $376 $22 $112 $1,651 $138
XC60 T6 AWD AWD $430 $810 $376 $22 $112 $1,775 $148
XC60 T6-R AWD AWD $478 $810 $376 $22 $112 $1,823 $152
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Volvo XC60 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC60 3.2 2WD $278 $464 $376 $22 $112 $1,252 $104
XC60 3.2 AWD $314 $464 $376 $22 $112 $1,288 $107
XC60 T6 AWD AWD $314 $546 $376 $22 $112 $1,370 $114
XC60 T6-R AWD AWD $348 $546 $376 $22 $112 $1,404 $117
Get Your Own Customized Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Estimates do not factor in garaging location in Los Angeles which can raise or lower rates considerably.

Based on these figures, using a $100 deductible costs approximately $32 more each month or $384 each year averaged for all XC60 models than choosing the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claim filings, you would come out ahead if you elect the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $143
Average monthly premium for $500 deductibles (subtract): - $111
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One big caveat is that raising deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. That will force you to have enough extra money in order to pay the deductible.

The chart below illustrates how your choice of deductibles and can influence Volvo XC60 annual premium costs for different age categories. The information is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Driving violations and accidents

The diagram below illustrates how violations and accident claims drive up Volvo XC60 insurance costs for different age groups of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Cost comparison with and without full coverage

The diagram below shows the comparison of Volvo XC60 auto insurance costs with and without full coverage. The premium estimates are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no set rule for eliminating physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Volvo XC60 replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after you pay the deductible. If premiums are more than $300 a year for full coverage, then it could be time to drop full coverage.

There are some conditions where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

What is the best car insurance coverage?

Always keep in mind that when comparing the best car insurance coverage, there really is no single plan that fits everyone. Your situation is unique and a cookie cutter policy won't apply.Drive safe and save For example, these questions might point out if your insurance needs could use an agent's help.

  • Should I rate my vehicle as business use?
  • Is there coverage for my trailer?
  • Is a new car covered when I drive it off the dealer lot?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered while delivering pizza?
  • If my Volvo XC60 is totaled, can I afford another vehicle?
  • What is an SR-22 filing?
  • Do I need higher collision deductibles?

If it's difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.

When to talk to a local insurance agent

Many people just prefer to sit down with an agent and that is just fine! Good agents will help you protect your assets and help submit paperwork. A nice benefit of comparing rate quotes online is you may find lower rates but also keep your business local. And supporting local insurance agencies is still important in Los Angeles.

Insurance agents in Los AngelesAfter completing this short form, the quote information is instantly submitted to agents in your area who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to contact any agents as quotes are delivered directly to you. If you have a need to compare prices from one company in particular, feel free to jump over to their website and fill out their quote form.

What types of auto insurance agents are in Los Angeles?

When finding a reliable agent, you should know the different types of agencies and how they operate. Agents are either independent or exclusive. Either can sell insurance policies, but we need to point out the difference in the companies they write for since it could factor into which type of agent you select.

Independent Insurance Agents

These agents do not sell for just one brand and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply switch companies in-house and you stay with the same agent. When comparison shopping, you will want to get rate quotes from multiple independent agents to maximize your price options. Most can insure with lesser-known insurance companies that may have much lower rates than larger companies.

Shown below is a short list of independent insurance agents in Los Angeles that may be able to give you price quotes.

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Exclusive Insurance Agencies

Agents of this type generally can only insure with one company like American Family, State Farm, and AAA. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on what they offer which helps overcome the inability to quote other rates. Many people purchase coverage from exclusives mainly due to high brand loyalty and the convenience of having all coverages with one company.

Below are Los Angeles exclusive agents that are able to give price quote information.

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Deciding on an insurance agency is decision based upon more than just a low price. These are valid questions to ask:

  • What is the financial rating for the quoted company?
  • Does the company have a local claim office in Los Angeles?
  • How many years of experience in personal auto insurance do they have?
  • Do they have cheaper tiers of coverage?
  • Are all drivers listed on the coverage quote?
  • Can you get a list of referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?