How many times have you said it’s time to compare low-cost auto insurance rates in Houston, TX? Houston shoppers have many options when shopping for the best price on Volvo XC70 insurance. You can either waste hours calling around trying to get quotes or utilize the internet to find the lowest rates.
There are more efficient ways to shop for auto insurance and we’ll show you the proper way to compare rates for your Volvo and obtain the cheapest rates from both online companies and Houston agents.
Sad but true, about 70% of customers have stayed with the same insurance company for a minimum of four years, and nearly half have never shopped around. U.S. drivers could cut their rates by as much as $859 a year just by shopping around, but they don’t know how much they could save if they moved their coverage to a different company.
It’s a good idea to compare premium rates before your next renewal because auto insurance prices are rarely the same from one policy term to another. Just because you had the lowest rates on Volvo XC70 insurance in Houston on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in how to quote online to save on auto insurance.
This information will familiarize you with the most effective way to quote insurance and how you can save the most money. If you have a current auto insurance policy, you should be able to get lower rates using the tips covered below. Drivers just have to understand the fastest way to compare prices online from multiple companies.
Car insurance providers offering affordable rates in Texas
The following companies have been selected to offer free rate quotes in Houston, TX. If the list has multiple companies, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $220 | $416 | $560 | $34 | $168 | $1,398 | $117 |
| XC70 T6 AWD 4-Dr | $334 | $668 | $582 | $34 | $174 | $1,792 | $149 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific Houston garaging location which can change coverage prices substantially.
Volvo XC70 liability rates compared to full coverage
The illustration below examines Volvo XC70 insurance costs when comparing full coverage to liability only. The premiums are based on no claims or violations, $100 deductibles, married female driver, and no discounts are applied.
Should you be buying full coverage?
There is no definitive formula for dropping physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Volvo XC70 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
Gender-based auto insurance rates by age
The example below shows the comparison of Volvo XC70 insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Rate comparison for different deductibles
The chart below shows how different deductible levels and can raise or lower Volvo XC70 premium costs for different age categories. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Save money by taking advantage of discounts
Insurance can be prohibitively expensive, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some need to be specifically requested before you get the savings.
- Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
- Employee of Federal Government – Employees or retirees of the government can save as much as 8% with certain companies.
- Multi-line Discount – Larger auto insurance companies have a small discount if you purchase some life insurance too.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
- Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Progressive and Allstate will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
It’s important to understand that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
Car insurance companies that may offer policyholders these money-saving discounts include:
Check with every prospective company the best way to save money. Discounts might not be offered in Houston.
Which policy gives me the best coverage?
When quoting and comparing adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.
- What does roadside assistance cover?
- Are my company tools covered if they get stolen?
- Do I need rental car coverage?
- When should my teen driver be added to my policy?
- Am I covered if I hit someone who is not insured?
- Is my custom paint covered by insurance?
- Does every company file a SR-22 automatically?
- Does my policy cover me when driving someone else’s vehicle?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
Insurance agents can help
A small number of people just prefer to sit down with an agent and doing so can bring peace of mind Most agents will help you protect your assets and help submit paperwork. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and also buy local. And providing support for local insurance agencies is definitely important in Houston.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to companies in Houston who will give competitive quotes for your auto insurance coverage. You won’t even need to search for an agent since price quotes are sent to the email address you provide. In the event you want to get a comparison quote from a specific auto insurance provider, feel free to search and find their rate quote page and give them your coverage information.
Exclusive or Independent: There is a difference
When looking for local Houston agents, it’s helpful to know the different agency structures and how they can quote your rates. Auto insurance agents in Houston can be described as either exclusive or independent. Both can sell affordable auto insurance policies, but it is important to understand why they differ since it could factor into which type of agent you select.
Independent Auto Insurance Agents
These type of agents are not required to write business for one company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage which makes it simple for you.
When comparison shopping, it’s a good idea to check rates from at a minimum one independent agency to get the most accurate price comparison. Many can place coverage with companies you’ve never heard of which can be an advantage.
The following is a short list of independent insurance agencies in Houston that may be able to give free rate quotes.
- El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map - Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map - Duckworth Insurance Agency
3824 Broadway St – Houston, TX 77017 – (713) 645-1500 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company’s rates so you might not find the best rates. These agents are highly trained on sales techniques and that allows them to sell at a higher price point. Consumers sometimes choose to use an exclusive agent mainly due to the brand rather than low price.
Below is a list of exclusive agents in Houston that can give you price quotes.
- Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map - James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 – View Map - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Selecting an car insurance agent needs to be determined by more than just the price. A good agent in Houston will have answers to these questions.
- Are they primarily personal or commercial lines agents in Houston?
- Can you choose the body shop in case repairs are needed?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the company have a local claim office in Houston?
- Does the quote include credit and driving reports?
- How many years of experience in personal auto insurance do they have?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What discounts might you be missing?
Upon getting satisfactory answers to any questions you may have as well as a price you’re happy with, you may have just found a car insurance agent that is a good match to properly service your auto insurance policy.
Insurance buyers beware
Consumers can’t ignore all the ads that claim the cheapest car insurance rates by Progressive, Allstate and GEICO. All the ads have a common claim about saving some big amount just by moving your coverage.
Is it even possible that every company can cost less than your current company? It’s all in the words they use.
Companies quote their best rates for the type of driver that earns them the most money. One example of this type of insured could be a married male, has other policies, and drives less than 10,000 miles a year. Any customer who matches that profile will probably get the lowest rates and will most likely save quite a bit of money when switching.
Consumers who do not match this ideal profile may receive higher premiums which translates to the prospect going elsewhere. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently state the savings.
This really drives home the point why you should get price quotes at each policy renewal. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest Volvo XC70 insurance in Houston.
Shop smart and save
We just presented quite a bit of information on how to get a better price on Volvo XC70 insurance in Houston. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from an unexpected company.
Drivers change insurance companies for a number of reasons such as not issuing a premium refund, policy non-renewal, denial of a claim and even extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is easier than you think.
When searching for cheaper Houston car insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage only to regret that they should have had better coverage. Your goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.
Additional information is available on the following sites:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- How Much are Houston Car Insurance Rates for Lyft Drivers? (FAQ)
- What Car Insurance is Cheapest for Good Students in Houston? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Civic in Houston? (FAQ)
- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Learn About Car Insurance (GEICO)