It’s a fact that insurance companies don’t want you to look for a cheaper policy. Drivers who compare other prices are likely to switch insurance companies because there is a great chance of finding discount prices. A recent survey found that drivers who compared price quotes annually saved as much as $72 a month compared to people who don’t make a habit of comparing rates.
If finding budget-friendly rates on car insurance in Columbus is your target objective, then having a good understanding how to get free comparison quotes and analyze insurance premiums can make it simple to find affordable coverage.
The best way we recommend to get the cheapest Volvo V60 insurance in Columbus is to regularly compare price quotes from insurers that sell auto insurance in Ohio. Prices can be compared by following these guidelines.
First, try to understand how car insurance works and the measures you can take to prevent expensive coverage. Many factors that result in higher rates such as at-fault accidents, careless driving, and a negative credit rating can be improved by making lifestyle changes or driving safer. Later in this article we will cover tips to help keep rates affordable and find available discounts that you may qualify for.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can quote prices for a wide range of companies. Compare rates
Third, compare the new rate quotes to your existing rates to see if a cheaper rate is available in Columbus. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
A key point to remember is to make sure you enter identical deductibles and limits on every quote request and and to get quotes from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and a thorough price selection.
If you have insurance now, you will surely be able to reduce the price you pay using the techniques covered below. Obtaining price quotes for more affordable insurance policy in Columbus is quite easy. Nevertheless, Ohio vehicle owners need to learn how companies set your policy premium because it can help you find the best coverage.
Affordable Volvo insurance prices in Columbus
The companies shown below provide free quotes in Ohio. If multiple companies are shown, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Quote Volvo V60 Insurance for Less
Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable such as your driving record, but some are less apparent like where you live or your vehicle rating.
Gender and car insurance costs – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Males and females cause fender benders at a similar rate, but the males tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
Rental and towing coverage may not be needed – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time when buying insurance. Insurance for things like rental car reimbursement, better glass coverage, and Farm Bureau memberships may be wasting your money. You may think they are a good idea when talking to your agent, but if you have no use for them eliminate them to save money.
Poor driving means higher rates – Having just one driving citation could increase your next policy renewal by as much as thirty percent. Drivers with clean records get better prices than bad drivers. Drivers who get careless violations such as reckless driving or DUI might be required by their state to file a SR-22 to the state department of motor vehicles in order to continue driving.
Poor credit can mean higher prices – Your credit score factor in determining premium rates. Consumers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit is low, you could pay less to insure your Volvo V60 if you clean up your credit.
Volvo V60 insurance loss probability – Insurers factor in insurance loss information when they file their rates in each state. Models that the data determines to have higher claim amounts or frequency will have higher premium rates. The data below shows the compiled insurance loss statistics for Volvo V60 vehicles.
For each policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Percentages below 100 imply a favorable loss record, while numbers shown that are more than 100 point to more losses or a tendency for claims to be larger.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volvo V60 2WD||68||53|
|Volvo V60 4WD||136||75|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Discount Columbus car insurance quotes
Not too many consumers would say car insurance is affordable, but you may find discounts that many people don’t even know exist. Some trigger automatically when you purchase, but a few must be inquired about before they will apply.
- ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more on V60 insurance in Columbus.
- Mature Driver Discount – Drivers that qualify as senior citizens could receive a discount up to 10%.
- Sign Early and Save – Some insurance companies provide a discount for buying a new policy before your current expiration date. Ten percent is about the average savings.
- New Vehicle Savings – Buying insurance coverage on a new vehicle may earn a small discount since newer vehicles have better safety ratings.
- Fewer Miles Equal More Savings – Fewer annual miles on your Volvo could qualify for slightly better prices than normal.
Discounts save money, but please remember that most discounts do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
Large car insurance companies and some of the discounts are included below.
- 21st Century has discounts for air bags, teen driver, 55 and older, good student, automatic seat belts, and early bird.
- Progressive may offer discounts for multi-policy, multi-vehicle, online signing, continuous coverage, homeowner, and good student.
- State Farm offers discounts including student away at school, multiple policy, defensive driving training, anti-theft, driver’s education, Steer Clear safe driver discount, and good driver.
- Nationwide discounts include multi-policy, Farm Bureau membership, accident-free, defensive driving, business or organization, family plan, and anti-theft.
- Esurance offers premium reductions for defensive driver, anti-theft, emergency road assistance, claim free, online shopper, and anti-lock brakes.
- The Hartford offers discounts for vehicle fuel type, bundle, driver training, anti-theft, air bag, good student, and defensive driver.
Double check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies in your area. To locate providers who offer online Volvo V60 insurance quotes in Columbus, click this link.
Get rate quotes but buy from a neighborhood Columbus auto insurance agent
A small number of people would prefer to go talk to an agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find better rates but also keep your business local. Supporting local agencies is still important in Columbus.
Once you complete this form (opens in new window), your insurance data gets sent to local insurance agents in Columbus who will give you quotes to get your business. It makes it easy because there is no need to even leave your home because prices are sent to you. Get lower rates and a licensed agent to talk to. In the event you want to compare prices for a specific company, you would need to find their quoting web page and fill out the quote form the provide.
If you are wanting to find a local Columbus insurance agency, you need to know there are two types of agencies and how they can service your needs differently. Agents can be described as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents
Independent agencies do not write with just one company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If premiums increase, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s a good idea to check rates from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller mutual companies that may have much lower rates than larger companies.
Shown below is a small list of independent insurance agents in Columbus who may provide price quote information.
- Cornerstone Insurance Services
1505 Stonecreek Drive S, Suite 103 – Pickerington, OH 43147 – (614) 524-4248 – View Map
- Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd – Columbus, OH 43212 – (614) 221-1500 – View Map
- AA Affordable Insurance Agency of Ohio
1180 W Broad St – Columbus, OH 43222 – (614) 221-7007 – View Map
Exclusive Auto Insurance Agencies
Exclusive agencies can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so it’s a take it or leave it situation. Exclusive insurance agents are highly trained in insurance sales and that allows them to sell at a higher price point. A lot of people buy from exclusive agents primarily because of the brand and strong financial ratings.
Below is a list of exclusive agents in Columbus that are able to give price quote information.
- Jerry Doherty – State Farm Insurance Agent
21 W Broad St #100 – Columbus, OH 43215 – (614) 461-7833 – View Map
- GEICO Insurance Agent
7370 Sawmill Rd Suite 2720 – Columbus, OH 43235 – (614) 336-4240 – View Map
- Nikki Ogunduyile – State Farm Insurance Agent
20 S 3rd St #210 – Columbus, OH 43215 – (614) 274-7130 – View Map
Deciding on a car insurance agent is decision based upon more than just a cheap price quote. Get answers to these questions too.
- What is the financial rating for the quoted company?
- Will the agent or a CSR service your policy?
- Do they offer accident forgiveness?
- How long has their agency been open in Columbus?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are aftermarket or OEM parts used to repair vehicles?
Upon getting reasonable responses to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that can insure your vehicles. Just understand that you can always cancel your coverage when you choose so don’t think that you are permanently stuck with a specific company for the full policy term.
Compare but don’t skimp
In this article, we covered a lot of tips how to get a better price on Volvo V60 insurance in Columbus. It’s most important to understand that the more you quote Columbus auto insurance, the more likely it is that you will get a better rate. You may even find the lowest premium rates are with a small mutual company.
As you quote Columbus auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best cost.
A few companies may not provide price quotes online and usually these smaller companies work with independent agents. Budget-conscious Volvo V60 insurance is definitely available both online in addition to local insurance agencies, and you need to comparison shop both to have the best selection.
Additional information can be read on the following sites:
- Airbag FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for Business Use in Columbus? (FAQ)
- Who Has Affordable Car Insurance Quotes for Police Officers in Columbus? (FAQ)
- Red Light Cameras (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- Preventing Carjacking and Theft (Insurance Information Institute)
- State Car Insurance Guides (GEICO)