It’s an obvious assumption that car insurance companies don’t want you comparing rates. Insureds who shop around annually will presumably move their business because there is a high probability of finding better rates. A study discovered that consumers who compared prices regularly saved over $850 each year as compared to drivers who never shopped around for cheaper prices.
If finding the most affordable auto insurance in Henderson is your goal, then learning about how to quote and compare insurance rates can save time and make the process easier.
The most effective way to get the cheapest Volvo XC60 insurance in Henderson is to start comparing prices yearly from companies that insure vehicles in Nevada.
- Step 1: Gain an understanding of how auto insurance works and the things you can control to lower rates. Many things that increase rates such as your driving record and an unacceptable credit score can be improved by being financially responsible and driving safely. This article gives ideas to help prevent costly coverage and get additional discounts that may have been overlooked.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes for many different companies. View a list of agents
- Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you find better rates, ensure there is no coverage lapse between policies.
- Step 4: Notify your company or agent to cancel your current car insurance policy and submit payment and a signed application to your new agent or company. Immediately place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is to make sure you’re comparing the same coverage limits and deductibles on each price quote and and to get quotes from as many different insurance providers as possible. This helps ensure a fair price comparison and a complete rate analysis.
If you have a current auto insurance policy or just want a better rate, use these tips to reduce premiums without sacrificing coverage. The purpose of this post is to teach you how to compare rates easily and some tricks to saving. Smart buyers just have to use the fastest way to compare different rates from multiple carriers.
How You Can Control Volvo XC60 Insurance Prices
The best way to find cheaper auto insurance is to take a look at some of the factors that play a part in calculating the price you pay for auto insurance. If you know what impacts premium levels, this enables informed choices that will entitle you to lower rates.
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Drive a fast car and pay more – The type of car or truck you need to insure makes a substantial difference in your rates. The lowest performance passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
The data below uses these assumptions: single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Volvo XC60 policy rates compared to other models that have a range of performance rating factors.
- Prevent your car from being stolen – Buying a car with an alarm system can save you a little every year. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
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Insurance is expensive for youthful drivers – Mature drivers are shown to be more cautious, cause fewer claims and accidents, and receive fewer citations. Inexperience drivers are statistically shown to be inattentive with other occupants in the car so they pay higher auto insurance rates.
The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Only buy incidental coverages you need – There are many additional coverages that can add up if you aren’t careful. Add-on coverages like personal injury protection, death and dismemberment, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but now you might not need them so eliminate the coverages to reduce your premium.
- Having a spouse can save on auto insurance – Having a significant other may earn you lower rates on your auto insurance policy. Having a significant other usually means you are more responsible and it’s proven that married drivers get in fewer accidents.
- More traffic equals higher prices – Residing in a rural area can save you money when talking about auto insurance. City drivers have to deal with more aggressive driving styles and much longer commute distances. Lower population means less chance of accidents in addition to lower liability claims.
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Driving citations cost more than a fine – Having a single speeding ticket or other violation can bump up the cost twenty percent or more. Drivers with clean records get better prices compared to drivers with tickets. Drivers who have gotten careless citations like DUI, reckless driving or excessive speeding may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.
The illustration below illustrates how violations and at-fault claims can influence Volvo XC60 insurance costs for each age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
- When should you not file auto insurance claims? – If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies in Nevada award lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
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Loss probability for a Volvo XC60 – Insurance companies use historical loss data as a tool for profitable underwriting. Vehicles that statistically have higher loss trends will be charged more to insure. The information below illustrates the loss history for Volvo XC60 vehicles.
For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Percentage values below 100 suggest a positive loss record, while values that are above 100 indicate a higher chance of having a claim or tendency to have higher losses.
Volvo XC60 Insurance Claim Statistics Specific Volvo Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volvo XC60 4dr 2WD 79 74 70 60 53 55 Volvo XC60 4dr 4WD 93 82 75 66 64 57 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to get free Volvo XC60 insurance quotes online
Finding cheap Henderson auto insurance prices is an easy way to save money. Just spend a few minutes to get quotes provided by online insurance companies.
The providers in the list below provide free quotes in Nevada. If multiple companies are listed, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Analysis of Volvo XC60 rates
The premium information displayed next covers detailed analysis of insurance prices for Volvo XC60 models. Having a better understanding of how car insurance premiums are determined can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $204 | $394 | $296 | $18 | $88 | $1,000 | $83 |
| XC60 3.2 AWD | $232 | $394 | $296 | $18 | $88 | $1,028 | $86 |
| XC60 T6 AWD AWD | $232 | $464 | $296 | $18 | $88 | $1,098 | $92 |
| XC60 T6-R AWD AWD | $258 | $464 | $296 | $18 | $88 | $1,124 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can decrease or increase coverage rates considerably.
Analysis of deductible levels
One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The figures shown below can help show how much more rates are between high and low insurance deductibles. The first table uses a $100 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $266 | $478 | $262 | $16 | $78 | $1,125 | $94 |
| XC60 3.2 AWD | $300 | $478 | $262 | $16 | $78 | $1,159 | $97 |
| XC60 T6 AWD AWD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| XC60 T6-R AWD AWD | $334 | $564 | $262 | $16 | $78 | $1,279 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $194 | $324 | $262 | $16 | $78 | $874 | $73 |
| XC60 3.2 AWD | $218 | $324 | $262 | $16 | $78 | $898 | $75 |
| XC60 T6 AWD AWD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| XC60 T6-R AWD AWD | $244 | $382 | $262 | $16 | $78 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific location which can influence prices considerably.
We can derive from the above data that using a $100 deductible will cost you roughly $23 more each month or $276 every year across all Volvo XC60 models than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claim filings, you would more than likely save some money if you opt for a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $101 |
| Average monthly premium for $500 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important issue to know is that raising deductibles to save money means you pay more out-of-pocket at claim time. It will be required that you have some non-essential savings in the event you need to pay more to get your vehicle repaired.
The illustration below illustrates how your choice of deductibles and can impact Volvo XC60 insurance rates for each different age category. The rate quotes are based on a single female driver, full coverage, and no discounts are taken into consideration.
Car insurance protects more than just your car
Despite the high cost of buying insurance for a Volvo XC60 in Henderson, insuring your vehicle may be required and benefits you in several ways.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability in order to get the vehicle licensed. In Nevada 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 Volvo XC60, it’s most likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Volvo for a much higher rate and require you to pay the higher premium.
- Car insurance preserves both your Volvo and your assets. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $855 a year so it’s very important to do a rate comparison every year to ensure rates are inline.
Get cheaper rates by applying discounts
Insurance can be prohibitively expensive, but you might find some hidden discounts to help bring down the price. Some of these discounts will be visible at quote time, but some may not be applied and must be specially asked for prior to getting the savings. If you do not double check each discount you deserve, you are paying more than you should be.
- Henderson Homeowners Pay Less – Just owning your own home may trigger a policy discount on car insurance because it shows financial diligence.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
- Drivers Education – Have your child complete a driver education course if it’s offered in school.
- Bundled Policy Discount – If you can combine your homeowners and auto policy with one company they may give you a discount of up to 20% and get you affordable Volvo XC60 insurance rates in Henderson.
- Discount for New Cars – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
- Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on Henderson auto insurance quote as opposed to drivers who are more careless.
- Drive Less and Save – Maintaining low annual mileage could earn cheaper rates.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.
The chart below shows the comparison of Volvo XC60 car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, homeowner, and claim-free discounts applied.
Larger car insurance companies and the discounts they provide are outlined below.
- Farmers Insurance may include discounts for alternative fuel, multi-car, early shopping, good student, distant student, and homeowner.
- State Farm may have discounts that include accident-free, Steer Clear safe driver discount, anti-theft, safe vehicle, and multiple policy.
- Liberty Mutual has savings for exclusive group savings, multi-car, new graduate, safety features, and multi-policy.
- MetLife may offer discounts for accident-free, multi-policy, good driver, defensive driver, and good student.
- Progressive policyholders can earn discounts including good student, multi-policy, online quote discount, continuous coverage, and online signing.
When comparing rates, check with each insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in every state.
What if I want to buy from local Henderson insurance agencies?
A small number of people would rather have an agent’s advice and that is recommended in a lot of cases Professional agents can answer important questions and will help you if you have claims. One of the benefits of comparing insurance prices online is you may find lower rates and also buy local. Buying from neighborhood insurance agencies is important especially in Henderson.
For easy comparison, once you complete this form (opens in new window), the coverage information is sent to insurance agents in Henderson who will give competitive quotes for your coverage. It’s much easier because you don’t need to even leave your home since price quotes are sent directly to you. If you wish to compare rates for a specific company, feel free to navigate to their website and complete a quote there.
Listed below is a short list of insurers in Henderson willing to provide comparison quotes for Volvo XC60 insurance in Henderson.
- Dino DeGregorio – State Farm Insurance Agent
3037 W Hrzn Rg Pkwy Ste 100 – Henderson, NV 89052 – (702) 982-0696 – View Map - American Family Insurance – Barbara Nielson
1776 W Horizon Ridge Pkwy Ste 110 – Henderson, NV 89012 – (702) 906-1860 – View Map - GEICO Insurance Agent
19 S Stephanie St #190 – Henderson, NV 89012 – (702) 565-9198 – View Map - Shelter Insurance – Joe Burnett
2759 Sunridge Heights Pkwy – Henderson, NV 89052 – (702) 269-5458 – View Map
Selecting an insurer should depend on more than just a cheap quote. These questions are important to ask:
- How will an accident affect your rates?
- Did they already check your driving record and credit reports?
- Will they make sure you get an adequate claim settlement?
- Where would your vehicle be repaired?
- How experienced are they in personal risk management?
- Will high miles depreciate repair valuations?
- Are they in the agency full-time?
- Which companies do they recommend if they are an independent agency?
Car insurance companies ranked
Insuring your vehicle with the best car insurance provider is difficult considering how many companies are available to choose from in Nevada. The company information in the next section could help you analyze which auto insurers to look at when comparing rate quotes.
Top 10 Henderson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Henderson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
How do I know if I need professional advice?
Keep in mind that when it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover if you might need professional guidance.
- How much liability coverage do I need in Nevada?
- How much will a speeding ticket raise my rates?
- If I use my vehicle for business use is it covered?
- What is the ISO rating for a Volvo XC60?
- Am I missing any policy discounts?
- Am I covered if I break a side mirror?
- What is covered by UM/UIM coverage?
- Is my camper covered for physical damage?
- Should I have a commercial auto policy?
- Does insurance cover tools stolen from my truck?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Quote more and you will save more
When getting Henderson auto insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at an affordable rate.
Discount Volvo XC60 insurance in Henderson is available on the web and with local Henderson insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not offer online quoting and many times these smaller companies sell through independent insurance agents.
We covered quite a bit of information on how to save on Volvo XC60 insurance in Henderson. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest prices come from some of the lesser-known companies.
More detailed insurance information can be found in the articles below:
- Distracted Driving Statistics (Insurance Information Institute)
- How Much is Henderson Auto Insurance for Low Income Drivers? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Keeping Children Safe in Crashes Video (iihs.org)