A recent car insurance study revealed that most consumers have remained with the same car insurance company for well over three years, and nearly the majority have never compared rates with other companies. Ohio drivers could save approximately 55% each year, but they just don’t want to go online and compare rates.
If you want to find the absolute lowest rates, then the best way to find affordable quotes for Volvo XC60 insurance in Columbus is to regularly compare price quotes from insurers who sell auto insurance in Ohio. You can compare rates by completing these steps.
First, try to comprehend how auto insurance works and the modifications you can make to keep rates in check. Many things that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit history can be controlled by making lifestyle changes or driving safer. Continue reading for instructions to help reduce prices and find overlooked discounts.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
Third, compare the new rates to your current policy to see if a cheaper price is available. If you find a better price, make sure coverage is continuous and does not lapse.
Fourth, tell your current company of your intent to cancel your existing policy and submit payment and a completed application to your new insurance company. As soon as you receive it, place your new proof of insurance paperwork in a readily accessible location in your vehicle.
An important bit of advice to remember is to use the same deductibles and limits on each price quote and and to analyze as many companies as possible. This guarantees a fair price comparison and the most accurate and complete price analysis.
Many insurance companies give price estimates directly from their websites. Obtaining pricing for Volvo XC60 insurance in Columbus doesn’t take a lot of time as you simply type in your coverage information as detailed in the form. When the form is submitted, their quoting system automatically retrieves your credit score and driving record and gives you a price quote.
Getting online price quotes for Volvo XC60 insurance in Columbus streamlines rate comparisons, and it’s very important to have as many quotes as possible if you want to find the cheapest possible prices on insurance.
To use this form to compare rates, compare rates now from the companies shown below. If you have coverage now, it’s recommended you input coverages and limits exactly as they are listed on your policy. This ensures you will be getting rate comparison quotes for similar insurance coverage.
The following companies are our best choices to provide free quotes in Columbus, OH. If multiple companies are shown, we recommend you visit several of them in order to find the most competitive rates.
Volvo XC60 insurance rate analysis
The premium table shown below outlines a range of insurance premium costs for Volvo XC60 models. Knowing how insurance prices are formulated is important for drivers to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $106 | $214 | $234 | $14 | $70 | $638 | $53 |
| XC60 3.2 AWD | $120 | $214 | $234 | $14 | $70 | $652 | $54 |
| XC60 T6 AWD AWD | $120 | $252 | $234 | $14 | $70 | $690 | $58 |
| XC60 T6-R AWD AWD | $134 | $252 | $234 | $14 | $70 | $704 | $59 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can alter insurance rates significantly.
Physical damage deductible comparison
One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The tables below approximate how much more you’ll pay of buying low and high policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $176 | $296 | $192 | $12 | $58 | $759 | $63 |
| XC60 3.2 AWD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| XC60 T6 AWD AWD | $198 | $348 | $192 | $12 | $58 | $833 | $69 |
| XC60 T6-R AWD AWD | $220 | $348 | $192 | $12 | $58 | $855 | $71 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| XC60 3.2 AWD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| XC60 T6 AWD AWD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| XC60 T6-R AWD AWD | $180 | $280 | $192 | $12 | $58 | $722 | $60 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific location information which can raise or lower price quotes significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs about $10 more each month or $120 annually averaged for all XC60 models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 25 months between claims, you would most likely save money if you decide on a higher deductible.
Driving violations and accidents
The information below illustrates how traffic citations and at-fault fender-benders can impact Volvo XC60 car insurance rates for each different age group. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Get cheap Volvo XC60 insurance in Columbus with discounts
Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that may help make it more affordable. Many discounts should be triggered when you get a quote, but some discounts are required to be specially asked for prior to receiving the credit.
- Sign Online – Some companies give back up to $50 simply for signing online.
- Claim-Free Discount – Good drivers with no accidents pay much less when compared to policyholders that have many claims.
- Bundle and Save – When you have multiple policies and place coverage with the same company you could get a discount of up to 20% and get you cheaper XC60 insurance.
- Defensive Driver – Taking a course in driver safety could cut 5% off your bill and also improve your driving technique.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% on medical payment and PIP coverage.
Drivers should understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.
The example below shows the difference between Volvo XC60 yearly insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, multi-car, and claim-free discounts applied.
A few of the larger companies and some of their more popular discounts are detailed below.
- State Farm has discounts for good student, passive restraint, accident-free, multiple policy, driver’s education, safe vehicle, and defensive driving training.
- American Family may offer discounts for multi-vehicle, accident-free, Steer into Savings, mySafetyValet, bundled insurance, air bags, and TimeAway discount.
- GEICO offers discounts including membership and employees, multi-policy, anti-lock brakes, defensive driver, five-year accident-free, and multi-vehicle.
- 21st Century may have discounts that include good student, defensive driver, student driver, driver training, and theft prevention.
- Progressive policyholders can earn discounts including online quote discount, homeowner, multi-policy, continuous coverage, online signing, and good student.
If you want low cost Columbus auto insurance quotes, ask every insurance company what discounts are available to you. A few discounts may not apply in Columbus. To view insurance companies that offer multiple discounts in Columbus, click here.
Car insurance in Ohio serves several purposes
Even though it’s not necessarily cheap to insure a Volvo in Columbus, car insurance is not optional due to several reasons.
- Most states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Volvo XC60, most lenders will require you to have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Volvo at a much higher rate and require you to reimburse them for the much more expensive policy.
- Insurance protects your car and your assets. It will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Volvo gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance are definitely more than the cost, especially for larger claims. Unknowingly, the average driver is wasting up to $865 each year so you should quote your policy with other companies at every policy renewal to save money.
Insurance can be complex
When it comes to buying the right insurance coverage, there really isn’t a “best” method to buy coverage. Each situation is unique so this has to be addressed.
These are some specific questions could help you determine if your insurance needs will benefit from professional help.
- Can I make deliveries for my home business?
- Should I bundle my homeowners policy with my auto?
- Am I covered by my spouse’s policy after a separation?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered when driving in Canada or Mexico?
- Can I afford to buy a different vehicle if my Volvo XC60 is totaled?
- How can I get the company to pay a claim?
- Does my insurance cover a custom paint job?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Auto insurance is available from local insurance agents
Many people prefer to have an agent’s advice and that is a personal choice. An additional benefit of comparing rates online is that you can find the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your information gets sent to local insurance agents in Columbus that provide free Columbus auto insurance quotes and help you find cheaper coverage. You never need to even leave your home because prices are sent to you directly. You can get cheaper auto insurance rates without requiring a lot of work. If you wish to compare rates from a specific auto insurance provider, just find their quoting web page and complete a quote there.
Deciding on a insurance company requires more thought than just the quoted price. Before buying a policy in Columbus, get answers to these questions.
- Will they give you a referral list?
- Which insurance company do they prefer to write with?
- What kind of financial rating does the company have?
- Are they involved in claim handling?
- By raising physical damage deductibles, how much would you save?
Pick the best auto insurance agent in Columbus for you
If you are wanting to find a local insurance agency, it’s helpful to know the types of insurance agents that differ in how they can insure your vehicles. Auto insurance agents in Columbus can either be independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents in the exclusive channel can only quote rates from one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on sales techniques and that can be a competitive advantage. Consumers frequently use the same agent mainly due to high brand loyalty instead of buying on price only.
The following is a list of exclusive insurance agencies in Columbus who may provide you with comparison quotes.
- American Family Insurance – Felix Quachey
1100 Morse Rd Ste 301 – Columbus, OH 43229 – (614) 536-0237 – View Map - Wendy Sams – State Farm Insurance Agent
9039 Antares Ave, Ste D-1A – Columbus, OH 43240 – (614) 985-6123 – View Map - Andrea Taylor – State Farm Insurance Agent
5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421 – View Map
Independent Insurance Agents
Independent insurance agents do not sell for just one brand so they can quote policies with many different companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent.
When comparing rates, you definitely need to compare quotes from a couple of independent agencies for maximum quote selection. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.
The following is a short list of independent agencies in Columbus that can give you comparison quotes.
- Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd – Columbus, OH 43215 – (614) 249-2141 – View Map - Ansong Insurance Agency
5272 Cleveland Ave – Columbus, OH 43231 – (614) 259-3635 – View Map - Guy P Williams Insurance Agency
1335 Dublin Rd #110d – Columbus, OH 43215 – (614) 488-1101 – View Map
After getting satisfactory answers for all questions you ask and an affordable coverage quote, chances are good that you have found an insurance agency that can be relied on to adequately provide auto insurance. But keep in mind policyholders can cancel your policy at any point so never feel that you are obligated to any specific agency for the entire policy term.