Would you like to save money by finding the cheapest Volvo C30 insurance in Houston? Comparing and finding cheaper prices for Volvo C30 insurance in Houston may be frustrating for drivers who are beginners to quoting and comparing rates online. With so many insurance agents and online companies available, it can quickly become a real difficult job to locate the lowest prices.
Regrettably, the vast majority of consumers kept their coverage with the same auto insurance company for at least four years, and almost half have never even compared rates from other companies. Many consumers in America could save up to $859 each year just by shopping around, but they underestimate how much they could save if they switched to a cheaper policy.
Consumers should take time to compare prices yearly because insurance rates change regularly. Just because you found the lowest premium rates on Volvo C30 insurance in Houston a couple years back there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.
Finding the lowest-priced policy in Houston is simple if you know the tricks. In a nutshell, each driver who wants cheaper auto insurance will be able to lower their premiums. But Texas drivers must learn how big insurance companies sell insurance online and take advantage of how the system works.
Cheap Volvo insurance price quotes in Houston
The providers in the list below are ready to provide price comparisons in Houston, TX. If multiple providers are shown, it’s a good idea that you click on several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C30 T5 R-Design||$308||$472||$500||$30||$150||$1,460||$122|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can influence prices significantly.
Higher deductibles lower rates
The chart below shows how different deductible levels and can influence Volvo C30 insurance costs for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Premiums by gender and age
The chart below illustrates the comparison of Volvo C30 auto insurance rates for male and female drivers. The premium estimates are based on no violations or claims, comp and collision included, $500 deductibles, single marital status, and no discounts are applied to the premium.
Cheap Volvo C30 insurance in Houston
Buying auto insurance is not cheap, but there’s a good chance there are discounts to help bring down the price. Some trigger automatically at the time of quoting, but some may not be applied and must be specially asked for before being credited.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one insurance company you will save nearly 15% which can help you find inexpensive Volvo C30 insurance in Houston.
- Discount for Low Mileage – Maintaining low annual mileage could earn lower prices due to less chance of an accident.
- Savings for New Vehicles – Buying a new car model can save you some money because newer vehicles keep occupants safer.
- Telematics Devices – Insureds who allow their insurance company to look at where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
Remember that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it’s just not the way it works.
Some of the insurance companies that may include some of the above discounts include:
When getting a coverage quote, ask all companies you are considering to give you their best rates. Some of the earlier mentioned discounts might not be offered everywhere.
What insurance coverages do I need?
When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that may help highlight if you would benefit from professional advice.
- Does my medical payments coverage pay my health insurance deductible?
- Is my Volvo C30 covered for smoke damage?
- Does having multiple vehicles earn me a discount?
- When do I need to add a new car to my policy?
- Are combined or split liability limits better?
- Do I really need UM/UIM coverage?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Local Houston auto insurance agents and auto insurance
Some people still like to get advice from a local agent and that can be a great decision A nice benefit of getting online price quotes is you may find cheap rate quotes and still buy from a local agent. Putting coverage with local insurance agents is still important in Houston.
After filling out this short form, your insurance data is sent to local insurance agents in Houston that give free quotes for your insurance coverage. You won’t even need to find an agent on your own as quotes are delivered to you instantly. You can find lower rates without requiring a lot of work. If you have a need to compare prices from one company in particular, you just need to visit that company’s website and submit a quote form there.
Below is a short list of insurance companies in Houston that may be able to provide price quotes for Volvo C30 insurance in Houston.
- Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map
- Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map
- Memorial Insurance Agency, LLC
13624 Memorial Dr – Houston, TX 77079 – (713) 461-8272 – View Map
- Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
Finding a good company is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.
- Do they prorate repair cost based on vehicle mileage?
- If you have an accident, will your rates go up?
- Does the company have a local claim office in Houston?
- Is there a 24/7 contact number?
- Are there any discounts that you might be missing?
- Do they have designations such as AIC, CPCU, or CIC?
- Is the coverage adequate for your vehicle?
- Which companies can they place coverage with?
Car insurance coverage basics
Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, doctor visits, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, theft and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for liability
Liability coverage can cover damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles, pain and suffering and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.
Uninsured and underinsured coverage
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volvo C30.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (which is 30/60/25), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
This coverage covers damage to your C30 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible on your C30 to save money on collision insurance.
Affordable insurance premiums are possible
Cheap Volvo C30 insurance in Houston can be sourced from both online companies and from local agencies, so you need to quote Houston car insurance with both to have the best rate selection. There are still a few companies who do not provide online price quotes and many times these smaller companies prefer to sell through independent agents.
Drivers who switch companies do it for many reasons like lack of trust in their agent, not issuing a premium refund, high prices and even unfair underwriting practices. Whatever your reason, choosing a new insurance company is easier than you think.
We just covered many ideas to get a better price on Volvo C30 insurance in Houston. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Houston car insurance quotes. You may even be surprised to find that the best price on insurance is with a small local company.
To read more, link through to the resources below:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Houston? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)