Compare Volvo C70 Insurance Rates in Long Beach

If saving money is your primary concern, then the best way to find cheaper prices for auto insurance rates in Long Beach is to compare quotes once a year from different companies in California. Price quotes can be compared by following these steps.

An important part of this process is that you’ll want to compare identical limits and deductibles on every price quote and and to compare as many different insurance providers as possible. This provides a level playing field and a complete selection of prices.

Insurance rates Volvo C70 in Long BeachA recent survey discovered that most insurance buyers have been with the same company for over three years, and nearly 40% of drivers have never quoted insurance rates at all. Many consumers in Long Beach can save hundreds of dollars each year just by shopping around, but they don’t know the big savings they would realize if they moved their coverage to a different company.

Most companies provide price estimates directly from their websites. Getting online rates for Volvo C70 insurance in Long Beach is very simple as you just type in the amount of coverage you want into the quote form. When complete, their system automatically retrieves your driving record and credit report and generates pricing information. This makes it easy to compare insurance prices and it’s necessary to do this if you are searching for cheap rates.

To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you type in the coverages as close as possible to your current policy. Doing this assures you will get an apples-to-apples comparison for similar insurance coverage.

The companies shown below have been selected to offer price comparisons in California. If you want to find the best cheap car insurance in Long Beach, we suggest you visit several of them to get the best price comparison.

Analysis of Volvo C70 rates

The coverage table displayed below outlines different insurance prices for Volvo C70 models. Having a good understanding how policy rates are formulated can assist in making smart policy decisions.

Volvo C70 Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $412 $914 $380 $22 $114 $1,842 $154
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can revise insurance rates significantly.

Should you raise deductibles?

One frequently asked question is where should you set your physical damage deductibles. The comparison tables below can help illustrate how much more you’ll pay when you choose different policy deductibles. The first rate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Volvo C70 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $386 $678 $292 $18 $88 $1,487 $124
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Volvo C70 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C70 T5 2-Dr Convertible $238 $426 $292 $18 $88 $1,062 $89
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific location information which can lower or raise premium rates noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $35 more each month or $420 each year than choosing the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 21 months between claim filings, you would save more money by going with a higher deductible.

Full coverage versus liability-only in Long Beach

The diagram below illustrates the comparison of Volvo C70 insurance prices when comparing full coverage to state minimum liability only. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no definitive guideline to drop full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Volvo C70 claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage 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 damaged, you should not opt for liability only.

Will just any policy work for me?

Always keep in mind that when comparing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are unique to you.Drive safe and save

For instance, these questions may help you determine if you would benefit from professional advice.

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

You may want advice from an insurance agent

A lot of people would prefer to sit down and talk to an agent and that is just fine! One of the great benefits of comparing car insurance online is that you can obtain better rates and still choose a local agent.

Insurance agency in Long BeachTo help locate an agent, after submitting this simple form, your coverage information is sent to local insurance agents who want to provide quotes for your business. There is no reason to even leave your home since rate quotes are delivered to you instantly. You can find better rates and a licensed agent to talk to. In the event you want to get a rate quote from a specific car insurance provider, don’t hesitate to search and find their rate quote page and submit a quote form there.

Choosing a insurer requires more thought than just a cheap price. The answers to these questions are important, too.

If you would like to find a reliable insurance agent, it can be helpful to understand the types of agencies and how they function. Car insurance agents can be described as either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These type of agents generally can only insure with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

Shown below are exclusive agents in Long Beach who may provide you with comparison quotes.

2338 E Anaheim St #101aLong Beach, CA 90804(562) 856-0328View Map

537 W Willow StLong Beach, CA 90806(562) 612-4949View Map

5353 E 2nd St #207Long Beach, CA 90803(562) 434-0301View Map

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Independent Car Insurance Agencies

These agents are not employed by any specific company so as a result can place your coverage with multiple insurance companies and find the cheapest rate. If they quote lower rates, your agent can just switch to a different company and you can keep the same agent.

When comparing rates, you will definitely want to include rate quotes from multiple independent agents to get the best comparison.

The following is a short list of independent insurance agents in Long Beach willing to provide comparison quotes.

2411 E Anaheim StLong Beach, CA 90804(562) 438-7000View Map

4400 Pacific Coast HwyLong Beach, CA 90804(562) 498-8661View Map

1310 Pine Ave dLong Beach, CA 90813(562) 591-5181View Map

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After getting positive responses to these questions and a good coverage price, you may have found a car insurance agent that meets the requirements to adequately provide car insurance. Keep in mind you are able to terminate your policy when you choose so don’t assume that you are obligated to your new company for the entire policy term.

Which auto insurance company is best in California?

Ending up with a high-quality auto insurance provider is difficult considering how many different companies sell coverage in Long Beach. The ranking information shown next may help you choose which providers you want to consider purchasing from.

Top Auto Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies