Unbelievable but true, the vast majority of drivers renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never even compared rates from other companies. Many consumers in California can save hundreds of dollars each year, but they don’t want to spend time to save money by comparing rate quotes.
It takes a little time, but the best way to get affordable Volvo C30 insurance in Irvine is to start doing an annual price comparison from insurance carriers in California. Prices can be compared by following these guidelines.
- Step 1: Read about policy coverages and the steps you can take to keep rates low. Many rating factors that cause high rates like at-fault accidents, careless driving, and poor credit history can be remedied by making small lifestyle or driving habit changes. Read the full article for more information to get affordable coverage and find additional discounts you may qualify for.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from many different companies.
- Step 3: Compare the new quotes to the price on your current policy and see if you can save money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One bit of advice is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to look at as many different insurance providers as possible. Doing this enables a fair rate comparison and the best rate selection.
Companies offering affordable Volvo C30 rate quotes in Irvine, CA
The providers in the list below can provide free rate quotes in Irvine, CA. If multiple companies are listed, we recommend you visit two to three different companies to get the cheapest price.
Analysis of Volvo C30 rates
The rate table shown below covers a range of coverage prices for Volvo C30 models. Having insight into how prices are calculated can be of help when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $206 | $416 | $534 | $32 | $160 | $1,348 | $112 |
| C30 T5 R-Design | $234 | $490 | $534 | $32 | $160 | $1,450 | $121 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in vehicle location which can revise price quotes greatly.
How high should deductibles be?
When comparing auto insurance rates, the most common question is what deductibles to buy. The rates shown below outline the rate fluctuation between high and low deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| C30 T5 R-Design | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| C30 T5 R-Design | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific location information which can decrease or increase insurance rates substantially.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $46 more each month or $552 every year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 20 months between claims, you would most likely save money if you elect the higher deductible.
The example below demonstrates how choosing different deductibles and can influence Volvo C30 annual premium costs for different insured age categories. The data is based on a single male driver, comp and collision included, and no discounts are taken into consideration.
Careless Irvine drivers pay higher rates
The diagram below illustrates how traffic citations and accident claims impact Volvo C30 insurance rates for different age groups. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
What Determines Volvo C30 Insurance Prices?
Many things are used in the calculation when quoting car insurance. Some are obvious such as your driving record, but other criteria are less apparent such as your marital status or your vehicle rating.
The factors shown below are some of the things utilized by car insurance companies to help set your rate level.
High deductibles lower rates – Comprehensive and collision coverage deductibles tell how much the insured will be required to pay if a covered claim is submitted. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims are rear-ending another vehicle, damage from fire, or theft of your vehicle. The more of the claim you’re willing to pay, the lower your rates will be.
Fast cars cost more to insure – The performance of the vehicle you are insuring makes a significant difference in your rates. Economy passenger cars generally receive the lowest base rates, but many other things help determine your insurance rates.
The following data uses these variables: married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The chart compares Volvo C30 policy rates compared to other makes and models that have different risk factors.
Fewer miles means better premiums – The more miles you rack up on your Volvo each year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. Improper usage on your C30 can result in significantly higher rates. It’s a good idea to make sure your policy shows the correct usage for each vehicle.
Women tend to be lower risk – Over time, data shows that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Males and females cause fender benders in similar percentages, but the men have accidents that have higher claims. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below shows the comparison of Volvo C30 annual premium costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, single status, and no other discounts are factored in.
Extra policy coverages you don’t use – There are many optional add-on coverages that you can buy if you aren’t diligent. Insurance for things like vanishing deductibles, death and dismemberment, and motor club memberships are some examples. These coverages may sound good when buying your policy, but now you might not need them so remove them from your policy.
Get cheap Volvo C30 insurance in Irvine with discounts
Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain credits will be shown at quote time, but some must be manually applied before you get the savings.
- New Car Discount – Insuring a vehicle that is new may earn a small discount due to better safety requirements for new model year vehicles.
- No Claims – Drivers who don’t have accidents can save substantially as opposed to drivers with a long claim history.
- Distant College Student Discount – Kids who live away from home to go to college and leave their car at home could get you a discount.
- Driver Training Discounts – Completing a course teaching driver safety skills could earn you a small percentage discount if you qualify.
- Homeowners Savings – Being a homeowner can earn you a little savings since home ownership is proof that your finances are in order.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears you can get free auto insurance, it just doesn’t work that way.
The example below compares Volvo C30 car insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, marriage, and multi-car discounts applied.
Insurance companies that may offer policyholders most of these discounts include:
Check with every company how you can save money. Some discounts may not apply to policyholders in Irvine.
Get rate quotes but work with a neighborhood Irvine auto insurance agent
A small number of people would prefer to get advice from a local agent and often times that is recommended Licensed agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of getting free rate quotes online is you can get cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to insurance agents in Irvine that can provide free Irvine car insurance quotes for your coverage. It makes it easy because there is no need to find an agent since rate quotes are delivered directly to you. If you wish to compare prices from a specific insurance company, don’t hesitate to visit that company’s website and complete a quote there.
Picking an company requires you to look at more than just a cheap quote. These are some questions your agent should answer.
- How experienced are they in personal risk management?
- How long has the business existed?
- Can you get a list of referrals?
- Does the company have a solid financial rating?
- Is the quote a firm price?
- Do they review policy coverages at every renewal?
- Which family members are covered?
Ratings for California car insurance companies
Buying coverage from the right car insurance provider can be rather challenging considering how many companies sell coverage in California. The ranking information below could help you select which car insurance companies you want to consider comparing price quotes from.
Top 10 Irvine Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Compare. Compare. Compare.
People change insurance companies for a number of reasons such as high prices, an unsatisfactory settlement offer, unfair underwriting practices and being labeled a high risk driver. Regardless of your reason, finding a great new company is easier than you think.
You just learned many ways to shop for Volvo C30 insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best rates are with a lesser-known regional company.
Some insurance providers may not have price quotes online and many times these regional carriers prefer to sell through independent agencies. Cheaper Volvo C30 insurance in Irvine is definitely available on the web as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.
Additional information is located at these links:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has the Cheapest Irvine Car Insurance for Young Drivers? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for a Honda CR-V in Irvine? (FAQ)
- Who Has Affordable Auto Insurance Rates for Uninsured Drivers in Irvine? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Think You’re a Safe Driver? (State Farm)