Anyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around once a year will presumably switch companies because of the high probability of finding good coverage at a lower price. Remarkably, a study showed that consumers who compared rate quotes regularly saved $72 a month compared to policyholders who never shopped around.
If finding the most affordable insurance in Indianapolis is the reason you’re reading this, learning how to shop for insurance coverage can save time and make the process easier.
If your goal is the lowest price, then the best way to quote cheaper Volvo XC70 insurance is to regularly compare quotes from different companies who sell auto insurance in Indianapolis. Prices can be compared by following these steps.
- Step 1: Gain an understanding of the different coverages in a policy and the measures you can take to prevent high rates. Many things that are responsible for high rates such as distracted driving and an imperfect credit score can be remedied by paying attention to minor details.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from many different companies.
- Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare similar coverage information on each price quote and and to analyze as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and a complete selection of prices.
If you’re already insured, you stand a good chance to be able to find the best rates using the ideas presented in this article. Finding the cheapest insurance coverage in Indianapolis can be made easier if you know where to look. But Indiana consumers must comprehend how big insurance companies determine what you pay.
Best Volvo XC70 insurance rate quotes in Indiana
The providers in the list below have been selected to offer price comparisons in Indianapolis, IN. If several companies are displayed, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Insurance analysis for a Volvo XC70
The price information below outlines different insurance costs for Volvo XC70 models. Being more informed about how auto insurance premiums are established helps drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $190 | $340 | $358 | $22 | $108 | $1,018 | $85 |
| XC70 T6 AWD 4-Dr | $190 | $392 | $358 | $22 | $108 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific Indianapolis garaging location which can lower or raise premium rates greatly.
Raise deductibles and save
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following insurance rates may help to conceptualize the price difference when you choose different physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $304 | $514 | $318 | $18 | $94 | $1,273 | $106 |
| XC70 T6 AWD 4-Dr | $304 | $592 | $318 | $18 | $94 | $1,351 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $168 | $270 | $318 | $18 | $94 | $868 | $72 |
| XC70 T6 AWD 4-Dr | $168 | $312 | $318 | $18 | $94 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in your specific Indianapolis location which can influence premiums significantly.
Based on the above data, using a $100 deductible could cost the average driver approximately $36 more each month or $432 a year than selecting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 25 months between claims, you would probably save some money if you elect the higher deductible.
Insurance premiums by gender
The diagram below illustrates the comparison of Volvo XC70 auto insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Cheap Indianapolis auto insurance rates with discounts
Not too many consumers would say auto insurance is affordable, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be manually applied before you will receive the discount.
- Own a Home – Just being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home is proof of financial responsibility.
- ABS Braking Discount – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Driver Education Discount – Have your child take driver’s ed class in school.
- Federal Employees – Employees or retirees of the government may reduce rates when you quote Indianapolis auto insurance with certain companies.
- Driver Training Discounts – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount if your company offers it.
- Student Discounts – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
- College Student Discount – Older children who live away from home to go to college and don’t have a car could qualify for this discount.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.
The chart below shows the comparison of Volvo XC70 auto insurance costs with and without policy discounts. The rates are based on a female driver, no claims or violations, Indiana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.
If you would like to see a list of auto insurance companies with the best discounts in Indianapolis, click here to view.
Exclusive and independent car insurance agents
A lot of people just want to have an agent’s advice and doing that can be a smart decision A nice benefit of price shopping on the web is that you can obtain cheap rate quotes but also keep your business local. And supporting small agencies is definitely important in Indianapolis.
After completing this simple form, your coverage information is sent to agents in your area that can provide free Indianapolis auto insurance quotes and help you find cheaper coverage. You don’t have to visit any agencies since rate quotes are delivered immediately to you. Get lower rates and a licensed agent to talk to. If you have a need to get a rate quote for a specific company, you can always go to their quote page and complete a quote there.
If you are searching for a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Car insurance policy providers are either independent or exclusive.
Independent Agents (or Brokers)
Agents that elect to be independent do not have single company limitations and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can switch companies without you having to go to a different agency.
When comparing rate quotes, it’s recommended you include price quotes from a couple of independent agencies to get the most accurate price comparison.
Below are independent insurance agencies in Indianapolis who may provide free car insurance rate quotes.
Burns Insurance Agency – Commercial, Personal and Transportation Insurance Specialists
1433 N Meridian St – Indianapolis, IN 46202 – (317) 377-1100 – View Map
Steffey Hatoway Insurance
8365 Keystone Crossing #202 – Indianapolis, IN 46240 – (317) 334-3743 – View Map
Multiline Insurance Agency
9801 Fall Creek Rd #156 – Indianapolis, IN 46256 – (317) 476-6141 – View Map
Exclusive Car Insurance Agencies
These type of agents work for only one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so keep that in mind. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.
Listed below are exclusive agencies in Indianapolis who can help you get price quote information.
American Family Insurance – Brian Ciesil
1398 Shadeland Ave Ste 2233 – Indianapolis, IN 46219 – (317) 353-6225 – View Map
Keith Eberg – State Farm Insurance Agent
7550 S Meridian St d – Indianapolis, IN 46217 – (317) 887-1400 – View Map
Tia Walker – State Farm Insurance Agent
2169 Glebe St #100a – Carmel, IN 46032 – (317) 890-1200 – View Map
Choosing the best insurance agent requires more thought than just a cheap price. Any agent in Indianapolis should be willing to answer these questions.
- Do they have 24-hour customer assistance?
- Are they paid to recommend certain coverages?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How long has their agency been in business in Indianapolis?
- Are there any discounts that you might be missing?
- Do they see any coverage gaps in your plan?
- By raising physical damage deductibles, how much would you save?
Cheap auto insurance premiums are out there
As you prepare to switch companies, do not buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best possible price.
Lower-priced Volvo XC70 insurance in Indianapolis can be sourced both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and many times these small, regional companies prefer to sell through independent insurance agents.
Additional detailed information can be found in these articles:
- How to Avoid Staged Accidents (State Farm)
- How Much is Indianapolis Auto Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Indianapolis Car Insurance Rates for a Toyota Highlander? (FAQ)
- What Auto Insurance is Cheapest for Retired Military in Indianapolis? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)