How many times have you told yourself to find the cheapest Volvo XC70 insurance in Tucson? Being forced to pay for overpriced car insurance premiums can dry up your monthly budget and put a big crunch on your finances.
Shocking but true, about 70% of customers have bought car insurance from the same company for over three years, and about 40% of consumers have never compared rates to find cheap insurance. Consumers in Tucson could save nearly $700 a year just by getting comparison quotes, but they don’t invest the time required to shop their coverage around. Companies like State Farm and GEICO persitently shower you with fancy advertisements and it is difficult to see through the deception and do the work needed to find the best deal.
If you are insured now or want to find a cheaper company, you can use these tips to find the best rates while maximizing coverage. Buying the cheapest auto insurance in Tucson can be easy if you know a few tricks. Shoppers only need to know the quickest way to shop their coverage around from many different companies online.
Volvo XC70 insurance discounts in Tucson
Some providers do not list every available discount very clearly, so we researched some of the best known and the harder-to-find credits available to you.
- E-sign – A few insurance companies will give you a small discount for buying a policy and signing up on your computer.
- No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage if you have no claims for a set time period.
- More Vehicles More Savings – Having multiple vehicles on one policy can get a discount on all vehicles.
- Defensive Driver Discount – Taking a class that teaches driver safety techniques could earn you a small percentage discount and easily pay for the cost of the class.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on XC70 insurance in Tucson.
- Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free insurance policy, you’re out of luck.
The chart below visualizes the comparison of Volvo XC70 auto insurance rates with and without discounts. The price estimates are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-car, multi-policy, and homeowner discounts applied.
Some of the larger companies that may have most of these discounts include:
When quoting, ask each company or agent the best way to save money. Savings might not be available to policyholders in Tucson.
Reducing your Volvo XC70 insurance rates can be relatively painless. You just have to take time comparing rates to find the company with affordable Volvo XC70 insurance quotes.
Doing price comparisons online is so simple that it makes it obsolete to physically go to local Tucson insurance agencies. Quoting and buying Volvo XC70 insurance online has made agencies unnecessary unless your situation requires the extra assistance that only an agent can give. However, consumers can find lower rates online and get advice from an agent in your area.
The companies in the list below have been selected to offer comparison quotes in Arizona. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.
Rates and detailed analysis
The coverage information displayed below covers estimates of insurance premium costs for Volvo XC70 models. Having a better understanding of how rate quotes are calculated is important to be able to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $266 | $424 | $348 | $20 | $104 | $1,162 | $97 |
| XC70 T6 AWD 4-Dr | $266 | $488 | $348 | $20 | $104 | $1,226 | $102 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in garaging location in Tucson which can modify coverage rates substantially.
Deductible analysis
One of the most common auto insurance questions is how low should you set your deductibles. The rates below can help illustrate the price difference of buying low and high physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $292 | $460 | $338 | $20 | $102 | $1,237 | $103 |
| XC70 T6 AWD 4-Dr | $292 | $530 | $338 | $20 | $102 | $1,307 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $180 | $290 | $338 | $20 | $102 | $930 | $78 |
| XC70 T6 AWD 4-Dr | $180 | $334 | $338 | $20 | $102 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific garaging location which can decrease or increase price quotes substantially.
Based on this data, using a $250 deductible will cost in the ballpark of $26 more each month or $312 annually than opting for the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 29 months between claim filings, you would probably be better off if you choose a higher deductible. The numbers below show a better example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $106 |
| Average monthly premium for $1,000 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
One thing to be aware of is that higher deductibles means you pay more out-of-pocket when you have a claim. That will require a higher level of savings in order to pay the higher deductible.
The illustration below illustrates how your deductible choice and can raise or lower Volvo XC70 annual premium costs for different age groups of insureds. The data assumes a single male driver, comp and collision included, and no discounts are applied.
Safe drivers pay cheaper rates
The chart below demonstrates how citations and at-fault fender-benders can drive up Volvo XC70 car insurance rates for each different age group. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Does full coverage make sense?
The example below visualizes the comparison of Volvo XC70 car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no definitive formula for dropping full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Volvo XC70 book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the deductible is paid. If you are paying over $200 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some conditions where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
When to get professional advice
When it comes to buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
For example, these questions can help discover whether you could use an agent’s help.
- What is medical payments coverage?
- Can my babysitter drive my car?
- What is an umbrella policy?
- Can I pay claims out-of-pocket if I buy high deductibles?
- How do I buy GAP insurance?
- How high should my uninsured/underinsured coverage be in Arizona?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Auto insurance agents near you
Many people still prefer to visit with an insurance agent. Good agents are very good at helping people manage risk and give you someone to call. An additional benefit of getting free rate quotes online is you may find lower rates and still have a local agent.
To make it easy to find an agent, after completing this quick form, the quote information is immediately sent to agents in your area that can give you free Tucson auto insurance quotes for your business. There is no need to drive around as quotes are delivered immediately to your email address. If you need to get a rate quote for a specific company, you can always find their quoting web page and fill out the quote form the provide.
Finding the right company is decision based upon more than just a cheap price quote. Ask your prospective agent these questions:
- Are all drivers listed on the coverage quote?
- Is insurance their full-time profession?
- Does the agent help file claims?
- Will you get a loaner vehicle if you car is being repaired?
- Will high miles depreciate repair valuations?
- Can they give you a list of client referrals?
- How long have they worked with personal auto insurance coverage?
The following are Tucson insurance companies that may be able to provide price quote information for Volvo XC70 insurance in Tucson.
Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map
HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map
Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 – View Map
Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map
Three reasons to insure your vehicle
Despite the high cost of buying insurance for a Volvo XC70 in Tucson, car insurance may not be optional for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your XC70, more than likely the lender will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Volvo at a much higher premium rate and force you to pay for the expensive policy.
- Insurance safeguards not only your vehicle but also your financial assets. Insurance will also pay for medical bills that are the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. Today the average American driver is overpaying over $750 every year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
Auto insurance coverage options for a Volvo XC70
Learning about specific coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as falling objects, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for prosthetic devices, EMT expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Auto liability
This can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability coverage protects against things like medical expenses, medical services, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.
The chart below shows why buying low liability limits may not be adequate coverage.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your XC70 to get cheaper collision coverage.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many Arizona drivers have only the minimum liability required by law (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
How to find a good Tucson auto insurance company
Picking a good quality car insurance provider can be difficult considering how many different companies insure vehicles in Tucson. The ranking information shown below could help you choose which auto insurers to look at when looking for cheaper rates.
Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Tucson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Frequent quotes can save
Budget-friendly auto insurance in Tucson can be sourced online and from local agencies, and you should compare price quotes from both to have the best selection. There are still a few companies who may not have online rate quotes and these regional insurance providers sell through independent agents.
In this article, we covered quite a bit of information on how to get a better price on Volvo XC70 insurance in Tucson. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Tucson auto insurance quotes. Drivers may even discover the best rates are with a lesser-known regional company.
When you buy Tucson auto insurance online, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured dropped collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.
Steps to finding more affordable Volvo XC70 insurance in Tucson
It takes a few minutes, but the best way to find cheaper prices for car insurance rates is to start doing a yearly price comparison from companies who sell insurance in Tucson. Prices can be compared by completing these steps.
Step 1: Take a few minutes and learn about how auto insurance works and the steps you can take to drop your rates. Many things that are responsible for high rates such as at-fault accidents and a not-so-good credit rating can be amended by paying attention to minor details.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple companies. Find a Tucson insurance agent
Step 3: Compare the new quotes to the price on your current policy to determine if you can save on XC70 insurance. If you find a lower rate quote, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent to cancel your current coverage. Submit the required down payment along with the signed application to the new insurer. As soon as you have the new policy, safely store the certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is to use similar deductibles and liability limits on every price quote and and to compare as many different companies as possible. This helps ensure an accurate price comparison and a better comparison of the market.
To learn more, link through to the resources below:
- Top Signs Your Brakes are Giving Out (State Farm)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates for College Students? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)