It’s an obvious conclusion that car insurance companies don’t want you to look at other companies. Consumers who rate shop once a year are very likely to switch companies because there is a high probability of finding more affordable rates. A recent study showed that drivers who compared rates once a year saved approximately $3,500 over four years compared to those who didn’t regularly shop around.
If finding the cheapest price for Volvo XC60 insurance in Buffalo is why you’re here, then having a good understanding how to quote prices and compare coverage rates can save time and make the process easier.
If your goal is the lowest price, then the best way to save money on car insurance rates in Buffalo is to regularly compare prices from insurers in New York.
First, spend a few minutes and learn about what coverages are included in your policy and the changes you can make to lower rates. Many factors that are responsible for high rates like traffic violations and a substandard credit score can be remedied by making small lifestyle or driving habit changes.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple sources. View insurance agents
Third, compare the quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
One key aspect when comparing rates is to try to use the same amount of coverage on each price quote and to quote with as many different companies as possible. Doing this guarantees the most accurate price comparison and a better comparison of the market.
If you already have coverage or are looking for a new policy, you can learn to cut your premiums while maximizing coverage. Getting quotes for the most affordable protection in Buffalo is easy if you know what you’re doing. Vehicle owners just need to learn the best way to get comparison quotes from many different companies online.
Most of the larger companies such as GEICO, State Farm and Progressive provide insurance quotes from their websites. Getting online quotes for Volvo XC60 insurance in Buffalo is pretty painless as you just type in your personal and coverage information into the form. Once entered, the company’s rating system automatically retrieves your driving record and credit report and returns a price.
The ability to get online rates for Volvo XC60 insurance in Buffalo makes comparing rates easy, and it’s necessary to have as many quotes as possible in order to find a better rate.
If you want to fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend you input your coverages just like they are on your policy. This makes sure you are getting an apples-to-apples comparison for similar insurance coverage.
The providers in the list below offer price quotes in New York. If multiple companies are listed, we recommend you get prices from several of them in order to find the most competitive rates.
Determine discounts on Buffalo insurance
Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Some discounts will apply at the time of purchase, but some discounts are required to be specifically requested in order for you to get them.
- No Claims – Good drivers with no accidents pay much less in comparison with drivers who are more careless.
- Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
- Safety Course Discount – Taking part in a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
- Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save at least 10% off all policies.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.
- Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote Buffalo auto insurance with certain companies.
- Good Drivers – Drivers who avoid accidents can save up to 40% or more on their Buffalo auto insurance quote than less cautious drivers.
- Multiple Cars – Having more than one vehicle with the same company can get a discount on all vehicles.
- Save with a New Car – Putting coverage on a new XC60 can get you a discount because newer models have to meet stringent safety requirements.
Drivers should understand that most discount credits are not given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will definitely reduce your policy premiums.
The chart below illustrates the difference between Volvo XC60 auto insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no tickets, no at-fault accidents, New York state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.
If you would like to view companies that offer discounts in Buffalo, click here.
Volvo XC60 insurance rates and statistics
The coverage information shown below outlines different insurance prices for Volvo XC60 models. Understanding more about how rates are figured can help customers make smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC60 3.2 2WD||$200||$396||$272||$16||$82||$966||$81|
|XC60 3.2 AWD||$226||$396||$272||$16||$82||$992||$83|
|XC60 T6 AWD AWD||$226||$468||$272||$16||$82||$1,064||$89|
|XC60 T6-R AWD AWD||$252||$468||$272||$16||$82||$1,090||$91|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in garaging location in Buffalo which can change prices significantly.
Poor driving habits will raise your auto insurance rates
The illustration below shows how violations and accidents can increase Volvo XC60 insurance rates for different age groups. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Compare rates but work with a local neighborhood Buffalo car insurance agent
Some consumers still prefer to have an agent’s advice and we recommend doing that Insurance agents can help determine the best coverages and help file insurance claims. One of the benefits of comparing rate quotes online is that you can obtain the best rates and also buy local. And buying from local insurance agencies is important especially in Buffalo.
To find an agent, once you fill out this short form, your insurance coverage information is immediately sent to local insurance agents that can give you free Buffalo auto insurance quotes and help you find cheaper coverage. You won’t even need to find an agent on your own because quoted prices will be sent to you instantly. If you have a need to quote rates from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
When narrowing the list to find a local Buffalo insurance agent, it helps to know the two different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Buffalo are either exclusive or independent (non-exclusive). Either one can sell affordable auto insurance policies, but it is a good idea to know the differences because it can factor into the selection process.
Independent Auto Insurance Agents
Agents that elect to be independent do not sell for just one brand so as a result can place your coverage through lots of different companies and potentially find a lower price. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to switch agencies. When comparison shopping, you definitely need to get quotes from several independent agencies to get the best comparison. Most independent agents also contract with companies you’ve never heard of which may have better rates.
Listed below is a short list of independent agents in Buffalo that may be able to provide price quotes.
- Encompass Agency, Inc.
142 Niagara Falls Blvd – Buffalo, NY 14214 – (716) 835-6790 – View Map
- Nationwide Insurance: Debra R Hamsher
1101 Niagara Falls Blvd – Buffalo, NY 14226 – (716) 833-1900 – View Map
- Vanner Insurance Agency LLC
11 Pinchot Ct – Buffalo, NY 14228 – (716) 688-8888 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually well trained on the products they sell which can be an advantage. Some insured continue to buy from the same agent for years mostly because of the brand and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Buffalo that can give you price quotes.
- State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map
- Farmers Insurance – Toni Du Bois
2460 Main St – Buffalo, NY 14214 – (716) 931-5200 – View Map
- Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500 – View Map
Finding the right auto insurance agent should include more criteria than just the quoted price. These are some questions you should get answers to.
- Are they paid to recommend certain coverages?
- Which members of your family are coverage by the policy?
- If independent agents, which companies do they recommend?
- Will the agent help in case of a claim?
- Is the coverage adequate for your vehicle?
- Can you get a list of referrals?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they able to influence company decisions when a claim is filed?
You Can Change Your Insurance Rates
Lots of factors are part of the equation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are more transparent like your vehicle usage and annual miles driven.
Cut car insurance rates and deter theft – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
Less chance of injury means lower premiums – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts and lower rates for you. If your Volvo XC60 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Gender is a factor – Statistics show women are more cautious behind the wheel. It does not mean females are better at driving than males. Men and women tend to get into accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
The information below illustrates the difference between Volvo XC60 car insurance costs for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $250 deductibles, single status, and no other discounts are factored in.
Eliminate extra coverages – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you aren’t careful. Coverages like personal injury protection, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. The coverages may be enticing at first, but now you might not need them so remove them and pocket the money.
Do you save by driving less? – The more you drive your Volvo each year the higher your rate. A lot of insurance companies apply a rate based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than those that get driven frequently. It’s a smart idea to ensure your vehicle rating states the correct driver usage. An improperly rated XC60 can cost quite a bit.
Save money by having multiple policies – Most major car insurance companies allow lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to get quotes from other companies to ensure the best deal.There is a chance you can save even more even if you insure with multiple companies
Your address can impact price – Having an address in smaller towns and rural areas of the country can save you money when buying car insurance. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate. People who live in big cities have to deal with more traffic problems and longer commutes to work. Spending more time driving translates into higher accident risk.
Rates may be lower depending on your occupation – Did you know your occupation can influence how much you pay for car insurance? Careers such as fire fighters, air traffic controllers, and dentists have higher rates than the rest of us due to job stress and long work days. On the flip side, careers such as farmers, athletes and performers receive lower rates.
Volvo XC60 claim statistics – Auto insurance companies use historical loss data when they set coverage costs for each model. Models that have a trend towards higher claims will cost more for coverage. The information below illustrates the collected loss data for Volvo XC60 vehicles.
For each type of coverage, the claim amount for all vehicles averaged together is represented as 100. Numbers that are below 100 suggest a better than average loss history, while values over 100 indicate frequent claims or larger claims.
|Make and 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|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons to insure your Volvo XC60
Despite the potentially high cost of Volvo XC60 insurance, car insurance is a good idea for several reasons.
- The majority of states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage in order to license the vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your XC60, most lenders will force you to have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Volvo for a much higher rate and force you to pay much more than you were paying before.
- Insurance protects both your vehicle and your personal assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of buying car insurance greatly outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $830 a year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.
What is the best car insurance company in Buffalo?
Buying coverage from a high-quality car insurance company can be rather challenging considering how many choices you have in Buffalo. The company information in the next section may help you choose which coverage providers to look at putting your business with.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Be persistent and save
We covered a lot of tips how to reduce Volvo XC60 insurance rates online in Buffalo. It’s most important to understand that the more rate quotes you have, the higher your chance of finding low cost Buffalo auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company.
People leave their current company for a number of reasons such as high prices, being labeled a high risk driver, not issuing a premium refund or even delays in paying claims. Regardless of your reason, choosing a new company is not as hard as you think.
When searching for affordable Buffalo auto insurance quotes, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost.
- Safe Vehicles for Teens (iihs.org)
- How Much are Buffalo Car Insurance Quotes for Welfare Recipients? (FAQ)
- Who Has Cheap Car Insurance Quotes for College Students in Buffalo? (FAQ)
- How Much is Buffalo Car Insurance for Inexperienced Drivers? (FAQ)
- Who Has Affordable Buffalo Car Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Buffalo? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Teen Driving Statistics (GEICO)
- Rollover Crash FAQ (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)