There isn’t a single person who likes paying for insurance, especially when the cost is too high.
Smart shoppers know that insurance companies want to keep you from comparing prices. Consumers who compare rates annually are very likely to switch insurance companies because they stand a good chance of finding a lower-priced policy. A recent survey found that consumers who shopped around every year saved over $70 a month compared to policyholders who never compared rates.
If finding low prices for Volvo C30 insurance in Orlando is why you’re reading this, then understanding how to find companies and compare coverages can make shopping around easier.
How to find affordable quotes for Volvo C30 insurance in Orlando
If you want to save money, the best way to get affordable Volvo C30 insurance is to make a habit of regularly comparing prices from insurers who provide auto insurance in Orlando. This can be done by following these guidelines.
- First, it will benefit you to learn about policy coverages and the measures you can control to keep rates low. Many risk factors that increase rates like at-fault accidents, speeding tickets, and a substandard credit history can be rectified by paying attention to minor details.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can give you price quotes from many different companies.
- Third, compare the new rates to your current policy and determine if there is any savings. If you can save money and make a switch, ensure there is no coverage lapse between policies.
The most important part of shopping around is to make sure you enter identical deductibles and limits on every quote request and to quote with as many car insurance companies as possible. Doing this provides a fair rate comparison and and a good selection of different prices.
Because you have many insurance companies to choose from, it can be challenging to find the lowest cost insurance provider.
Save money on Volvo C30 insurance in Orlando with these discounts
Car insurance can cost a lot, but you might already qualify for some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but some must be specifically requested prior to getting the savings. If you’re not getting every credit available, it’s possible you qualify for a lower rate.
- Professional Memberships – Belonging to qualifying employment or professional organizations may earn a discount on your bill.
- Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
- Driving Data Discount – Insureds that choose to allow data collection to scrutinize vehicle usage by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
- Multiple Cars – Buying coverage for multiple cars with the same insurance company can reduce rates for all insured vehicles.
- Responsible Driver Discounts – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
- College Student – College-age children living away from Orlando attending college and do not have access to a covered vehicle could get you a discount.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
A little disclaimer on discounts, some credits don’t apply to the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will positively reduce your insurance premiums.
The chart below compares Volvo C30 car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $500 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, claim-free, and multi-car discounts applied.
If you would like to view companies with the best discounts in Florida, click here.
The auto insurance companies shown below are ready to provide free rate quotes in Florida. If you want to find cheap car insurance in FL, we suggest you click on several of them to get the lowest price.
Insurance statistics and figures
The price information displayed next covers a range of rate quotes for Volvo C30 models. Understanding how insurance prices are calculated is important for making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $204 | $372 | $400 | $24 | $120 | $1,120 | $93 |
| C30 T5 R-Design | $230 | $438 | $400 | $24 | $120 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in your specific Orlando location which can decrease or increase coverage rates noticeably.
Comparison of policy deductibles
One common question asked by Orlando drivers is where to set your physical damage deductibles. The tables below can help you visualize the rate difference when you select higher and lower policy deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| C30 T5 R-Design | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| C30 T5 R-Design | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in specific location which can raise or lower coverage rates substantially.
Based on the data above, we can derive that using a $100 deductible costs roughly $44 more each month or $528 annually than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would probably come out ahead by going with a higher deductible. The table below shows how this determination is made.
| Average monthly premium for $100 deductibles: | $140 |
| Average monthly premium for $1,000 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
How much more does full coverage cost in Orlando?
The chart below visualizes the comparison of Volvo C30 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The price estimates are based on no claims or violations, $100 deductibles, single status, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no exact rule of when to exclude full coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Volvo C30 claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $4,000 after the policy deductible has been paid. If you are paying over $400 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Different people need different insurance coverages
When quoting and choosing the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your financial needs are unique and your insurance should unique, too.
These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.
- Is my babysitter covered when using my vehicle?
- When do I need to add a new car to my policy?
- Why am I required to buy high-risk coverage?
- Is coverage enough to protect my assets?
- Am I covered when using my vehicle for business?
- Do all my vehicles need collision coverage?
- Do I need an umbrella policy?
- I have a DUI can I still get coverage?
- What should my uninsured motorist coverage limits be in Florida?
- What is no-fault insurance?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Get rate quotes but work with a local Orlando insurance agency
Some consumers would prefer to buy from a local agent and that is a personal choice. Good insurance agents can make sure you are properly covered and help file insurance claims. A nice benefit of price shopping on the web is the fact that drivers can get lower car insurance rates and still have a local agent. Buying from and supporting local insurance agencies is definitely important in Orlando.
To make it easy to find an agent, after completing this short form, the quote information gets sent to companies in Orlando who will gladly provide quotes to get your business. There is no need to even leave your home since rate quotes are delivered directly to your email. If you want to compare prices from a specific insurance provider, just jump over to their website to submit a rate quote request.
Choose an insurance agent wisely
When researching a reliable agent, it can be helpful to understand the different types of agencies and how they work. Insurance agencies in Orlando can be categorized as either independent or exclusive. Both can write insurance policies, but it’s worth learning the differences because it can impact the selection process.
Independent Agents (or Brokers)
Agents that choose to be independent are not locked into one company and that enables them to quote your coverage amongst many companies and find the cheapest insurance rates. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
If you are comparing insurance prices, we recommend you get rate quotes from several independent agencies so that you have a good selection of quotes to compare.
The following is a list of independent insurance agents in Orlando that may be able to give free insurance rate quotes.
Caple Howden Insurance Agency
10222 E Colonial Dr – Orlando, FL 32817 – (407) 657-8808 – View Map
Brad Shivers Insurance Agency
1060 Woodcock Rd – Orlando, FL 32803 – (407) 601-1835 – View Map
Orlando Health Insurance Agent
7898 Canyon Lake Cir – Orlando, FL 32835 – (321) 446-6527 – View Map
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company like State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are well schooled on their company’s products and that can be a competitive advantage.
Below are exclusive insurance agencies in Orlando that are able to give price quote information.
Allstate Insurance: Polette Hernandez Gardner
2606 E Robinson St – Orlando, FL 32803 – (407) 380-0083 – View Map
Terri Marshall – State Farm Insurance Agent
5555 E Michigan St #104 – Orlando, FL 32822 – (407) 380-5689 – View Map
Justin Bauknight – State Farm Insurance Agent
2507 Curry Ford Rd – Orlando, FL 32806 – (407) 898-2041 – View Map
Picking an insurance agent requires you to look at more than just the bottom line cost. These are valid questions to ask:
- Are they properly licensed to sell insurance in Florida?
- Did they already check your driving record and credit reports?
- Do they specialize in personal lines auto insurance in Orlando?
- Will the company cover a rental car if your car is getting fixed?
- How much training do they have in personal risk management?
- Where would your vehicle be repaired?
- Is working in the agency their full-time job?
- Are you getting all the discounts the company offers?
Quote often and quote early
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
Low-cost Volvo C30 insurance in Orlando can be sourced online and from local agencies, and you need to comparison shop both to have the best rate selection. A few companies may not have rate quotes online and many times these smaller providers work with independent insurance agents.
How to save money on Volvo C30 insurance in Orlando
The recommended way to save on Volvo C30 insurance is to begin comparing prices regularly from insurance carriers in Orlando. You can compare prices by completing these steps.
- First, read and learn about the coverage provided by your policy and the measures you can control to keep rates in check. Many factors that increase rates like speeding and poor credit history can be controlled by making small lifestyle or driving habit changes.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can quote prices for many different companies.
- Third, compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and buy the policy, ensure there is no coverage lapse between policies.
One thing to remember is to make sure you enter identical coverage information on every quote and to quote with as many different insurance providers as possible. This provides the most accurate price comparison and a thorough selection of prices.
Even more information can be found in these articles:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Affordable Orlando Auto Insurance for Used Cars? (FAQ)
- How Much are Car Insurance Quotes for Safe Drivers in Orlando? (FAQ)
- Who Has the Cheapest Orlando Car Insurance Quotes for High Risk Drivers? (FAQ)
- Who Has Cheap Auto Insurance for 16 Year Olds in Orlando? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Highlander in Orlando? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)