Cheap Rates for Volvo C70 Insurance in San Antonio

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Insurance rates Volvo C70 in San AntonioWant to learn how to buy lower-priced auto insurance rates in San Antonio, TX? San Antonio buyers have many options when searching for the best price on Volvo C70 insurance. You can either waste hours driving around getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to buy auto insurance so we're going to tell you the absolute fastest way to quote coverages for your Volvo and obtain the cheapest rates either online or from San Antonio insurance agents.

It's a good idea to quote other rates at least once a year because insurance prices are variable and change quite frequently. Even if you got the best deal on Volvo C70 insurance in San Antonio a year ago you can probably find a better premium rate now. Forget all the misinformation about auto insurance because we're going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

Finding the cheapest insurance coverage in San Antonio is not that difficult as long as you know where to start. If you are paying for car insurance now, you will definitely be able to reduce the price you pay using this information. Smart buyers just need to know the fastest way to compare price quotes from many different companies online.

Companies offering Volvo C70 insurance in San Antonio

The companies in the list below are ready to provide free quotes in San Antonio, TX. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Data for Volvo C70 insurance

The coverage information shown below showcases estimates of insurance premium costs for Volvo C70 models. Being more informed about how car insurance prices are figured can be valuable when making smart policy decisions.

Volvo C70 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $270 $472 $252 $14 $76 $1,084 $90
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in zip code location which can decrease or increase price quotes significantly.

An analysis of deductible level

When comparing auto insurance rates, the most common question is which deductibles should you choose. The rates below help summarize the rate differences when you buy lower versus higher insurance deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Volvo C70 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $370 $698 $252 $14 $76 $1,435 $120
Get Your Own Custom Quote Go
Volvo C70 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $270 $472 $252 $14 $76 $1,084 $90
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in specific location information which can lower or raise prices substantially.

Based on the figures above, using a $100 deductible costs about $30 more each month or $360 for a full year than quoting the higher $500 deductible. Since the policyholder 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 average at a minimum 13 months between claim filings, you would probably be better off by going with a higher deductible.

How violations and accidents impact rates

The illustration below demonstrates how traffic citations and at-fault claims can increase Volvo C70 insurance prices for different age groups. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Yearly auto insurance costs for men versus women

The example below shows the comparison of Volvo C70 auto insurance costs for male and female drivers. The prices are based on no violations or claims, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The illustration below illustrates the comparison of Volvo C70 yearly insurance costs with and without physical damage coverage. The prices are based on no violations or accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

Should you be buying full coverage?

There is no set rule to eliminate full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Volvo C70 settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the policy deductible has been paid. If it's costing in excess of $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Don't overlook these Volvo C70 insurance discounts

Some insurance providers don't always list every discount they offer very well, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy San Antonio car insurance online. If you're not getting every credit you qualify for, you're just leaving money on the table.Save money with discounts

  • Anti-lock Brake System - Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
  • Professional Memberships - Joining a professional or civic organization could earn you a nice discount on your next renewal.
  • Government Employee Discount - Active or retired federal employment could qualify for a slight premium decrease but check with your company.
  • Accident Free - Claim-free drivers get the best insurance rates as compared to drivers with a long claim history.
  • Good Driver Discount - Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Life Insurance - Some insurance companies give better premium rates if you take out a life policy as well.
  • Driver Education Discount - Teen drivers should take driver's ed class in school.
  • Policy Bundle Discount - If you can bundle your auto and homeowners insurance with one company they may give you a discount of 10% to 20% off each policy.

A quick disclaimer, most of the big mark downs will not be given to the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

The information below illustrates the difference between Volvo C70 car insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, homeowner, and multi-car discounts applied.

The best insurance companies and some of their more popular discounts include:

  • State Farm offers discounts for good driver, Steer Clear safe driver discount, defensive driving training, good student, passive restraint, Drive Safe & Save, and multiple policy.
  • GEICO has discounts for seat belt use, multi-vehicle, daytime running lights, driver training, defensive driver, military active duty, and air bags.
  • Progressive may have discounts that include continuous coverage, online signing, homeowner, multi-policy, good student, and online quote discount.
  • 21st Century policyholders can earn discounts including 55 and older, anti-lock brakes, air bags, teen driver, and automatic seat belts.
  • American Family offers premium reductions for TimeAway discount, air bags, good driver, early bird, and good student.
  • The Hartford discounts include air bag, defensive driver, vehicle fuel type, good student, and anti-theft.
  • AAA offers discounts including multi-car, anti-theft, good driver, pay-in-full, education and occupation, multi-policy, and AAA membership discount.

If you are trying to find low cost San Antonio car insurance quotes, ask every insurance company which discounts they offer. Discounts may not apply everywhere. To see a list of insurers offering insurance discounts in Texas, click here to view.

Volvo C70 Insurance Rate Factors

Many different elements are part of the equation when you get your auto insurance bill. Most are fairly basic like your driving record, although others are more obscure such as whether you are married and annual miles driven.

  • Single vs. married - Being married can get you a discount on your auto insurance bill. Having a spouse may mean you are less irresponsible and statistics prove drivers who are married file infrequent claims.
  • Safety ratings are a factor - Safe vehicles get lower rates. Vehicles built for safety reduce injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If the Volvo C70 scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Vehicle risk affects prices - The performance of the vehicle you need insurance for makes a big difference in the rate you pay. Small economy passenger models usually have the lowest premiums, but your final cost has many other factors.

    The chart below is based on a married female driver age 40, full coverage with $250 deductibles, and no discounts or violations. The chart compares Volvo C70 policy rates compared to other models of vehicles that have different performances.

  • Where you live factors in - Being located in a small town can save you money when talking about auto insurance. City drivers have more aggressive driving styles and higher rates of accident claims. Fewer drivers means fewer accidents and a lower car theft rate.
  • Eliminate extra policy coverages - There are quite a few extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for coverage for rental cars, death and dismemberment, and term life insurance are examples of these. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Occupation stress can affect premiums - Did you know that where you work can have an impact on rates? Careers like real estate brokers, social workers, and stock brokers tend to pay higher premiums than the average policyholder due to job stress and incredibly demanding work hours. Conversely, professions such as scientists, historians and performers have the lowest average rates.
  • How much liability - Liability coverage will provide protection when a jury decides you are liable for damages from an accident. Your policy's liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Auto insurance agents are trained to help

Many people would prefer to go talk to an agent and that is not a bad decision Agents are highly skilled in risk management and help you file claims. A nice benefit of comparing insurance prices online is that you can find the lowest rates but still work with a licensed agent.

Insurance agency in San AntonioUpon completion of this simple form, your information gets sent to insurance agents in San Antonio that give free quotes to get your business. It's much easier because you don't need to contact an agency since price quotes are sent to your email. If you need to compare prices for a specific company, you would need to search and find their rate quote page and complete a quote there.

Picking the best company is decision based upon more than just the bottom line cost. The following questions are important to ask.

  • Is the agent properly licensed in Texas?
  • Do they regularly work with personal auto policies in San Antonio?
  • How long has the business existed?
  • Who are their largest clients?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • How many companies do they write for?
  • Does the agency provide any after hours assistance?
  • Will your rates increase after a single accident?

If you would like to find a good San Antonio insurance agent, you should know the types of insurance agents and how they can service your needs differently. Auto insurance agencies may be either exclusive or independent. Either one can sell auto insurance policies, but it's important to know the difference in the companies they write for since it may influence buying decisions.

Exclusive Insurance Agents

These type of agents write business for a single company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies are highly trained on what they offer which helps overcome the inability to quote other rates. Consumers sometimes use the same agent primarily because of the prominence of the brand rather than low price.

Below are San Antonio exclusive insurance agents that are able to give price quotes.

More insurance agents

Independent Agencies or Brokers

Agents of this type are not required to write business for one company so they can write business with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, they simply move the coverage in-house which requires no work on your part. When comparison shopping, we recommend you get quotes from several independent insurance agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with small mutual carriers that can offer cheaper rates than bigger companies.

Listed below is a short list of independent agents in San Antonio that can give you price quote information.


  • 1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map
  • Garcia Insurance Agency
    1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map
  • A and A Insurance Agency
    1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map

More insurance agents

After talking to the agent and getting good feedback for all questions you ask as well as an affordable premium quote, chances are good that you have found an insurance agent that is professional and can adequately provide auto insurance.

Don't give up on affordable rates

Budget-friendly auto insurance in San Antonio can be sourced online and also from your neighborhood San Antonio agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not have the ability to get quotes online and many times these regional insurance providers only sell coverage through local independent agencies.

When shopping online for auto insurance, don't be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, policy non-renewal or questionable increases in premium. Whatever your reason, finding a great new company can be pretty painless.

Additional auto insurance information can be read on the following sites: