Cheap Insurance for a Volvo C70 in Los Angeles

Insurance rates Volvo C70 in Los AngelesDo you want to stop overpaying and find low-cost Volvo C70 insurance in Los Angeles? Feel like you’re a prisoner to an under-performing, overpriced insurance policy? It’s quite common and many Los Angeles drivers feel the same as you.

Unbelievable but true according to a study almost 70% of insureds have purchased from the same company for well over three years, and practically 40% of insurance customers have never shopped around. Drivers in California can cut their rates by roughly 35% a year by just shopping around, but most undervalue the amount of money they would save if they switched to a cheaper policy. With consumers having so many choices for buying lower-cost insurance for a Volvo C70 in Los Angeles, it is very difficult to locate the cheapest company.

The providers in the list below are ready to provide quotes in Los Angeles, CA. If multiple companies are shown, we suggest you visit as many as you can to get a more complete price comparison.

These discounts can lower your auto insurance quotes

Some providers do not advertise every available discount in an easy-to-find place, so the next list breaks down both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Los Angeles auto insurance online.Cheaper auto insurance with discounts

Don’t be shocked that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.

The diagram below compares Volvo C70 auto insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

To see a list of auto insurance companies that offer discounts in California, click this link.

Insurance rate breakdown

The data table displayed below outlines detailed analysis of insurance costs for Volvo C70 models. Having insight into how insurance premiums are calculated is important for making decisions on the best policy to buy.

Volvo C70 Insurance Rates in Los Angeles, CA
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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Table data represents 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, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage rates greatly.

The chart below highlights how deductible selection and can influence Volvo C70 insurance costs for different age categories. The data is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Full coverage versus liability-only

The example below visualizes the comparison of Volvo C70 auto insurance rates when comparing full coverage to liability only. Data assumes no claims or driving citations, $500 deductibles, single marital status, and no additional discounts are factored in.

When to eliminate full coverage

There is no exact rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your Volvo C70 book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after you pay the deductible. If premium cost is more than $400 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Smart Buyers Save More

It’s important that you understand the rating factors that help determine your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

Buying from insurance agencies

A small number of people prefer to visit with an insurance agent and doing so can bring peace of mind Insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing rates online is that you can find cheap insurance quotes and still buy from a local agent. And buying from neighborhood agents is still important in Los Angeles.

Los Angeles insurance agentsAfter filling out this form (opens in new window), your insurance coverage information is submitted to local insurance agents who will give you bids for your business. You never need to contact any insurance agencies since price quotes are sent to the email address you provide. If you have a need to quote rates for a specific company, you just need to go to their quote page and fill out their quote form.

Multiple types of auto insurance agents in Los Angeles

When finding a reputable agency, it’s important to understand the different types of agents and how they function. Insurance agents are classified as either independent or exclusive depending on the company they work for. Both types can sell insurance policies, but it’s good to learn the difference in how they write coverage because it may have an impact on which agent you choose.

Independent Insurance Agents (or Brokers)

Agents that choose to be independent are not restricted to one company so they can insure your vehicles with lots of companies and find you the best rates. If they find a lower price, your policy is moved internally and you can keep the same agent. If you are comparing rate quotes, you will definitely want to get quotes from at a minimum one independent agency to ensure the widest selection of prices.

The following is a short list of independent agencies in Los Angeles that can give you free price quotes.

5757 W Century Blvd #700Los Angeles, CA 90045(310) 348-9936View Map

5250 W Century Blvd #426Los Angeles, CA 90045(888) 400-4004View Map

2861 Robertson BlvdLos Angeles, CA 90034(310) 280-0946View Map

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Exclusive Insurance Agents

Exclusive agents work for only one company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on what they offer which helps them compete with independent agents.

Listed below are exclusive agencies in Los Angeles that are able to give price quotes.

1247 S La Brea AveLos Angeles, CA 90019(323) 954-9763View Map

340 E Azusa St, Ste BLos Angeles, CA 90012(213) 253-1210View Map

12030 Washington Blvd Ste ALos Angeles, CA 90066(310) 482-3990View Map

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Deciding on an auto insurance agent should include more criteria than just the price. These are valid questions to ask:

The best insurance company isn’t always the cheapest

As you quote Los Angeles auto insurance, you should never reduce needed coverages to save money. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Lower-priced insurance in Los Angeles can be sourced from both online companies as well as from independent agents in Los Angeles, so you need to quote Los Angeles auto insurance with both to have the best selection. Some insurance companies do not provide rate quotes online and usually these regional insurance providers prefer to sell through independent agents.

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