Has it been over a year since you last compared quotes for the cheapest insurance rates in Aurora, CO? Aurora buyers have many options when searching for the best price on Volvo XC70 insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to find the lowest rates. There is a better way to buy insurance so we're going to tell you the best way to price shop coverage for your Volvo and obtain the lowest possible price from Aurora insurance agents and online providers.

Discount Volvo XC70 insuranceUnimaginable but true, most insurance policyholders in Colorado renewed their policy with the same company for at least the last four years, and nearly half have never shopped around. U.S. drivers could save almost $860 each year, but they don't believe the amount of money they would save if they changed companies.

It's a great practice to compare premium rates periodically since prices trend upward over time. Even if you got the lowest price on Volvo XC70 insurance in Aurora two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you're going to get a crash course in the things you must know in order to save on insurance.

The quickest method we recommend to get policy rate comparisons for Volvo XC70 insurance in Aurora takes advantage of the fact most insurance companies allow for online access to quote your coverage. The only thing you need to do is give the companies some data including types of safety features, deductibles desired, if the car is leased, and your job. That rating data is instantly provided to insurance carriers in your area and they return rate quotes almost instantly.

If you would like to compare rates now, click here and complete the form.

The companies in the list below have been selected to offer comparison quotes in Colorado. If the list has multiple companies, it's a good idea that you compare several of them to find the lowest car insurance rates.

Volvo XC70 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $294 $528 $448 $26 $134 $1,430 $119
XC70 T6 AWD 4-Dr $368 $726 $404 $24 $122 $1,644 $137
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can modify prices considerably.

Where to set your deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The rates shown below show the difference in cost when you choose different insurance deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Volvo XC70 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $342 $538 $396 $24 $118 $1,443 $120
XC70 T6 AWD 4-Dr $342 $620 $396 $24 $118 $1,525 $127
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Volvo XC70 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $210 $340 $396 $24 $118 $1,088 $91
XC70 T6 AWD 4-Dr $210 $390 $396 $24 $118 $1,138 $95
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in specific location information which can raise or lower prices significantly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $31 more each month or $372 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 24 months between claim filings, you would more than likely save some money if you elect the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): - $93
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important thing to remember is that raising deductibles to save money means you pay more out-of-pocket at claim time. You must have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Volvo XC70 insurance rates by age and gender

The chart below visualizes the comparison of Volvo XC70 car insurance costs for male and female drivers. The data is based on no violations or claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

Illustration showing the impact of accidents and violations

The diagram below shows how speeding tickets and at-fault accidents influence Volvo XC70 insurance costs for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Get affordable Volvo XC70 insurance in Aurora with discounts

Car insurance is not cheap nor is it fun to buy but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be manually applied before being credited.Save money with discounts

A quick disclaimer, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, insurance companies wouldn't stay in business. But any discount will cut your overall premium however.

Some of the insurance companies that may have some of the discounts shown above include:

When quoting, ask each insurance company how you can save money. Some credits may not apply to policies in Aurora. If you would like to see a list of insurers that offer the discounts shown above in Aurora, follow this link.

Three reasons to insure your XC70

Even though it's not necessarily cheap to insure a Volvo in Aurora, insuring your vehicle is most likely required but also gives you several important benefits.

First, most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you bought your Volvo XC70 with a loan, almost all lenders will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Volvo at a significantly higher premium and force you to pay for the expensive policy.

Third, car insurance preserves both your assets and your Volvo. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Volvo gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance more than offset the price you pay, especially if you ever need it. But the average driver in Colorado is overpaying more than $865 each year so compare rates at every renewal to save money.

Shop online but buy locally

Many people would rather sit down and talk to an agent and that is just fine! Good insurance agents are highly skilled in risk management and help you file claims. One of the benefits of price shopping on the web is the fact that drivers can get cheap auto insurance rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, the quote information is sent to local insurance agents that can provide free Aurora auto insurance quotes for your business. You won't even need to leave your computer since rate quotes are delivered to the email address you provide. If you have a need to get a price quote from a specific auto insurance provider, you would need to go to their quote page and fill out their quote form.

Choosing the best insurance company should depend on more than just a cheap quote. Any good agent in Aurora should know the answers to these questions.

If you want to use a reliable insurance agency, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents in Aurora are categorized either independent or exclusive depending on the company they work for. Both do a good job, but it's good to learn why they differ since it can impact which type of agent you select.

Exclusive Auto Insurance Agents

Agents of this type can only write with one company and some examples include Farmers Insurance and State Farm. These agents are not able to shop your coverage around so if the price isn't competitive there isn't much they can do. They receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. Drivers often use the same exclusive agent partially due to the prominent brand name and strong financial ratings.

Listed below is a list of exclusive agencies in Aurora who may provide you with price quotes.

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Independent Agents (or Brokers)

These type of agents are not restricted to one company so they have the ability to put coverage through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies and you don't have to do anything.

If you are trying to find cheaper rates, we recommend you get insurance quotes from at a minimum one independent agency to get the most accurate price comparison. Many can place coverage with small regional insurance companies that may provide cheaper auto insurance rates.

The following is a list of independent insurance agencies in Aurora that are able to give price quotes.

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