Car Insurance Rate Quotes for a Volvo XC70 in Mesa

Statistics show that the vast majority of consumers kept buying from the same company for well over three years, and almost half have never taken the time to shop around. American insurance shoppers could cut their rates by $850 a year just by shopping around, but they feel it’s too difficult to find cheap auto insurance rates.

Discount Volvo XC70 insuranceIf saving the most money is your goal, then the best way to get discount auto insurance rates in Mesa is to start comparing prices yearly from insurers who provide car insurance in Arizona.

An important note is that you use similar limits and deductibles on each quote and and to get quotes from as many companies as possible. Doing this enables the most accurate price comparison and a better comparison of the market.

If you have insurance now or just want to reduce your rates, follow these tips to reduce the price you pay and still get good coverage. Obtaining price quotes for the lowest-priced coverage in Mesa is not as difficult as people think. Smart buyers just need to use the most effective way to compare rates using one simple form.

The following companies are our best choices to provide free rate quotes in Arizona. If your goal is to find the best cheap auto insurance in Mesa, AZ, we suggest you click on several of them in order to get a fair rate comparison.

Rates and other information

The premium table displayed next highlights different insurance premium costs for Volvo XC70 models. Having a good grasp of how insurance quotes are determined can be useful when making decisions on the best policy to buy.

Volvo XC70 Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $324 $548 $338 $20 $102 $1,332 $111
XC70 T6 AWD 4-Dr $324 $632 $338 $20 $102 $1,416 $118
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific Mesa garaging location which can impact auto insurance rates greatly.

Policy deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The data tables below summarize the cost difference of buying low and high physical damage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Volvo XC70 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $324 $548 $338 $20 $102 $1,357 $113
XC70 T6 AWD 4-Dr $324 $632 $338 $20 $102 $1,441 $120
Get Your Own Custom Quote Go

Volvo XC70 insurance rates with $1,000 deductibles
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 rating is based on 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-policy, homeowner, and multi-vehicle. Rates do not factor in your specific Mesa location which can decrease or increase prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $37 more each month or $444 for a full year averaged for all XC70 models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claims, you would probably come out ahead if you decide on a higher deductible.

Accidents and violations increase rates

The illustration below demonstrates how speeding tickets and at-fault collisions drive up Volvo XC70 insurance rates for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Volvo XC70 car insurance costs with full physical damage coverage and with liability coverage only. Data assumes no claims or driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There isn’t a steadfast formula for phasing out physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Volvo XC70 replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after you pay the deductible. If it’s costing in excess of $400 a year to have full coverage, then it might be time to buy liability only.

There are a few situations where only buying liability is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

Why You Might Pay Increased Rates in Mesa

An important part of buying insurance is that you know a few of the rating criteria that go into determining the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that could help you find much lower annual insurance costs.

Consolidate and save – Most larger companies allow better rates for people that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be ten or even fifteen percent. Even if you already get this discount, consumers should still shop around to guarantee you are still saving the most. Drivers may still find a better deal even if you insure with multiple companies

Battle of the sexes – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Females and males cause fender benders at about the same rate, but the males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving.

The illustration below illustrates the comparison of Volvo XC70 car insurance rates for male and female drivers. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Raising physical damage deductibles lowers premiums – The deductibles define how much you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of covered claims could be collision with another vehicle, damage from fire, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive.

Drive a safer car and pay less – Safer cars tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.

Having a spouse can save you money – Your spouse may save some money when shopping for insurance. It demonstrates that you tend to be more mature and responsible it has been statistically shown that being married results in fewer claims.

Volvo XC70 insurance loss probability – Car insurance companies analyze historical claim data as a way to help calculate a profitable premium price. Models that have a higher amount or frequency of claims will have increased rates. The next table shows the loss history for Volvo XC70 vehicles.

For each coverage type, the claim probability for all vehicles as a whole is considered to be 100. Percentages below 100 represent a good loss history, while numbers that are greater than 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

Volvo XC70 Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volvo XC70 Station Wagon 2WD 69
Volvo XC70 Station Wagon 4WD 79 70 94 45

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance just makes sense

Even though it’s not necessarily cheap to insure a Volvo in Mesa, maintaining insurance is mandatory in Arizona but it also protects more than you think.

The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $850 per year so compare rates every year to ensure rates are competitive.

Mesa auto insurance companies

Selecting the right car insurance provider can be rather challenging considering how many companies there are to choose from in Arizona. The information shown below may help you select which auto insurance companies to look at comparing rate quotes with.

Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%