Car Insurance Quotes for a Volvo XC70 in Oklahoma City

Discount Volvo XC70 insuranceSearching for low-cost Volvo XC70 insurance in Oklahoma City? Searching for the cheapest insurance for a Volvo XC70 in Oklahoma can turn out to be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for a Volvo and get the lowest price either online or from Oklahoma City insurance agents.

Remarkably, a study showed that a large majority of drivers renewed their policy with the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. Consumers in the U.S. can cut their rates by almost $860 a year, but they don’t believe the large savings they would see if they changed companies.

Get cheaper Volvo XC70 insurance in Oklahoma City with discounts

Not many people think insurance is cheap, but there could be significant discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few must be inquired about before they will apply. If you’re not getting every credit you deserve, you could be saving more on your car insurance.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, that’s just not realistic.

The diagram below shows the comparison of Volvo XC70 insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

Companies who may offer most of these discounts may include but are not limited to:

When getting free Oklahoma City car insurance quotes, it’s a good idea to each company or agent which discounts they offer. A few discounts might not apply in every state. If you would like to see a list of car insurance companies that provide some of the discounts listed above in Oklahoma City, click here to view.

The companies shown below provide comparison quotes in Oklahoma. If several companies are displayed, we recommend you compare several of them in order to get a fair rate comparison.

Coverage analysis

The coverage table shown below covers estimates of insurance rates for Volvo XC70 models. Understanding more about how prices are established can help drivers make informed decisions when comparing rates.

Volvo XC70 Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $322 $510 $522 $30 $156 $1,540 $128
XC70 T6 AWD 4-Dr $322 $588 $522 $30 $156 $1,618 $135
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in Oklahoma City location which can raise or lower insurance rates noticeably.

The information below highlights how deductible selection and can raise or lower Volvo XC70 yearly insurance costs for each age group. The information is based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Insurance Premium Influencing Factors

When buying car insurance it’s important to understand the rating factors that are used to determine your policy premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that may reward you with lower rates. Many things are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but others are less obvious like your continuous coverage or your financial responsibility.

Annual mileage and car insurance prices – The higher the mileage driven in a year the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Autos that have low annual miles receive lower rates than those used for commuting. Ask your agent if your car insurance policy properly reflects the correct driver usage. A policy that improperly rates your XC70 is throwing money out the window.

Accidents mean higher premiums – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Having a single ticket can increase rates by twenty percent. People who have careless violations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.

The information below highlights how speeding tickets and fender-benders can influence Volvo XC70 car insurance costs for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Vehicle risk influences premiums – The performance of the car you are trying to find cheaper insurance for makes a big difference in determining your rates. Lower performance four cylinder passenger vehicles usually have the lowest rates, but other factors influence the final cost greatly.

The chart below assumes a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Volvo XC70 car insurance rates compared to other models of vehicles that have different performances.

Safety ratings are a factor – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles reduce the chance of injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Volvo scored at minimum four stars on you may pay a lower rate.

Volvo XC70 statistical loss data – Insurance companies analyze historical claim data in order to profitably underwrite each model. Vehicles that historically have higher loss trends will cost more to insure. The information below illustrates the loss history for Volvo XC70 vehicles.

For each type of coverage, the loss probability for all vehicles combined as an average is represented as 100. Values under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Volvo XC70 Insurance Loss Statistics
Vehicle Make and 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 from for 2013-2015 Model Years

When should I talk to an insurance agent?

Many drivers still like to sit down and talk to an agent and that is not a bad decision Professional agents will help you protect your assets and will help you if you have claims. The biggest benefit of comparing insurance prices online is you may find cheap insurance rates but still work with a licensed agent.

Oklahoma City insurance agentsAfter filling out this quick form, your insurance coverage information is sent to participating agents in Oklahoma City who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to leave your computer since rate quotes are delivered to you instantly. If you need to compare prices from a specific company, you would need to navigate to their website to submit a rate quote request.

Finding the right provider should depend on more than just the premium amount. Any agent in Oklahoma City should have no problem answering these questions:

The following is a list of car insurance companies in Oklahoma City willing to provide price quote information for Volvo XC70 insurance in Oklahoma City.

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Car insurance is an important decision

Despite the potentially high cost of Volvo XC70 insurance, paying for car insurance is required in Oklahoma but it also protects you in many ways.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $700 annually so you should quote your policy with other companies each time the policy renews to save money.

Oklahoma car insurance companies

Selecting the best company is difficult considering how many companies there are to choose from in Oklahoma. The ranking information displayed below may help you analyze which auto insurance companies to look at buying from.

Best Car Insurance Companies in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Cheaper coverage is out there

Insureds switch companies for many reasons like an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent and not issuing a premium refund. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

Lower-priced insurance in Oklahoma City can be bought online and from local agencies, so get free Oklahoma City car insurance quotes from both of them to have the best rate selection. Some insurance companies don’t offer online quoting and most of the time these smaller providers provide coverage only through independent agencies.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

How to buy affordable Volvo XC70 insurance in Oklahoma City

The best way to get budget Volvo XC70 insurance is to start doing a yearly price comparison from providers that sell auto insurance in Oklahoma City. You can compare rates by following these steps.

  1. Try to learn about how auto insurance works and the steps you can take to keep rates down. Many rating criteria that result in higher rates like speeding and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide prices from many different companies.
  3. Compare the quotes to your current policy to determine if switching companies saves money. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
  4. Notify your agent or company to cancel the current policy and submit a completed policy application and payment to the new company. As soon as you have the new policy, safely store the proof of insurance certificate with your registration paperwork.

One important bit of advice is to compare similar deductibles and liability limits on every quote and and to get price estimates from as many companies as possible. This helps ensure a fair price comparison and a thorough selection of prices.

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