Are you tired of trying to find more competitive insurance rates in Fort Worth, TX? Fort Worth buyers have options when searching for affordable Volvo XC60 insurance. You can either waste hours calling around getting price quotes or leverage the internet to compare rates.
There are more efficient ways to shop for insurance so we’re going to tell you the proper way to price shop coverage on a Volvo and get the cheapest rates from both online companies and Fort Worth agents.
The intent of this article is to let you in on how to effectively get price quotes and how you can save the most money. If you’re already insured, you will be able to shop for the lowest rates using the concepts covered in this article. Vehicle owners only have to learn the fastest way to compare price quotes on the web.
Companies offering Volvo XC60 insurance in Fort Worth
The companies in the list below have been selected to offer quotes in Fort Worth, TX. If multiple companies are shown, it’s a good idea that you visit as many as you can to find the most competitive auto insurance rates.
Volvo XC60 detailed coverage information
The premium table below covers detailed analysis of rate quotes for Volvo XC60 models. Having knowledge of how auto insurance prices are calculated can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $254 | $486 | $340 | $20 | $102 | $1,202 | $100 |
| XC60 3.2 AWD | $286 | $486 | $340 | $20 | $102 | $1,234 | $103 |
| XC60 T6 AWD AWD | $286 | $572 | $340 | $20 | $102 | $1,320 | $110 |
| XC60 T6-R AWD AWD | $318 | $572 | $340 | $20 | $102 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can modify rates significantly.
Should you raise deductibles?
One of the more difficult decisions when buying insurance is how high should the physical damage coverage deductibles be. The tables below highlight the costs and benefits when you choose different physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| XC60 3.2 AWD | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| XC60 T6 AWD AWD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| XC60 T6-R AWD AWD | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| XC60 3.2 AWD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| XC60 T6 AWD AWD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| XC60 T6-R AWD AWD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in your specific Fort Worth location which can influence price quotes considerably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $16 more each month or $192 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 16 months between claims, you would save money if you elect the higher deductible.
Volvo XC60 insurance costs by gender and age in Fort Worth
The chart below illustrates the difference between Volvo XC60 annual premium costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage?
The illustration below visualizes the comparison of Volvo XC60 car insurance costs with full coverage and liability only. The rates are based on no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no definitive formula of when to phase out full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Volvo XC60 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying more than $200 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Discounts can help lower rates on Volvo XC60 insurance in Fort Worth
Insuring your vehicles can cost a lot, but there may be some discounts to help bring down the price. Some trigger automatically at the time of quoting, but occasionally some discounts must be inquired about in order for you to get them.
- Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm and Allstate permit an accident without raising rates if your claims history is clear for a certain period of time.
- No Accidents – Claim-free drivers have much lower rates when compared to insureds who have frequent claims or accidents.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
- Discount for Swiching Early – Some auto insurance companies give discounts for signing up prior to your current XC60 insurance policy expiration. Ten percent is about the average savings.
- Government Employees – Employees or retirees of the government could cut as much as 10% off depending on your company.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
Policy discounts save money, but some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you can get free auto insurance, that’s just not realistic. Any qualifying discounts will help reduce the amount you have to pay.
The example below illustrates the comparison of Volvo XC60 car insurance rates with and without discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, multi-policy, and claim-free discounts applied.
Larger auto insurance companies and their offered discounts include:
- State Farm has savings for student away at school, multiple autos, multiple policy, Steer Clear safe driver discount, and good student.
- Farmers Insurance offers premium reductions for mature driver, business and professional, early shopping, alternative fuel, multi-car, and distant student.
- GEICO includes discounts for seat belt use, emergency military deployment, anti-lock brakes, membership and employees, and defensive driver.
- American Family has discounts for air bags, multi-vehicle, good driver, TimeAway discount, and mySafetyValet.
- Nationwide policyholders can earn discounts including easy pay, family plan, defensive driving, Farm Bureau membership, and accident-free.
- Progressive may offer discounts for multi-policy, online quote discount, multi-vehicle, good student, and homeowner.
When quoting, ask each company which discounts you may be entitled to. A few discounts might not be offered in every state.
Don’t assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing your policy for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your situation is unique.
For instance, these questions can aid in determining whether you may require specific advice.
- Do I pay less for low miles?
- When should my teen driver be added to my policy?
- Which companies are cheaper for teen drivers?
- Does my policy cover my teen driver if they drive my company car?
- How much will a speeding ticket raise my rates?
- Why do I only qualify for high-risk insurance?
- Do I have coverage if I rent a car in Mexico?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.
Insurance quotes from local neighborhood Fort Worth car insurance agents
Certain consumers would rather get professional advice from a licensed agent and that can be a smart move Experienced insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing rates online is the fact that you can find the best rates and still have a local agent. Buying insurance from local insurance agents is especially important in Fort Worth.
For easy comparison, once you complete this short form, the coverage information is transmitted to participating agents in Fort Worth who will return price quotes for your business. There is no reason to search for any insurance agencies as quotes are delivered directly to your email. If you need to get a comparison quote from a particular provider, you just need to visit that company’s website and give them your coverage information.
The different types of auto insurance agents
If you need to find a local Fort Worth insurance agent, you need to know there are two different types of agents and how they can service your needs differently. Insurance policy providers can either be independent (non-exclusive) or exclusive. Both do a good job, but it is a good idea to know how they differ since it can impact the selection process.
Independent Agents
Independent insurance agents do not sell for just one brand and that gives them the ability to insure amongst many companies enabling the ability to shop coverage around. If prices rise, the agent simply finds a different carrier which is easy for the insured. When shopping rates, we recommend you compare prices from a few independent agents to maximize your price options. Many write coverage with small regional insurance companies that many times have cheaper rates.
The following are independent insurance agencies in Fort Worth that can give you pricing information.
- Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300 – View Map - Nationwide Insurance: The Hulett Agency Inc
11751 Alta Vista Rd Ste 401 – Fort Worth, TX 76244 – (817) 533-8027 – View Map - Hall Insurance Agency, Inc.
3559 Williams Rd Suite 110 – Fort Worth, TX 76116 – (817) 370-0125 – View Map
Exclusive Insurance Agents
These agents have only one company to place business with and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare other company’s rates so keep that in mind. Exclusive agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates. Many people use the same exclusive agent primarily because of loyalty to the company rather than low price.
Below are exclusive insurance agencies in Fort Worth who can help you get price quotes.
- State Farm: Steve Gary
4947 S Hulen St – Fort Worth, TX 76132 – (817) 737-8311 – View Map - Sloan Clark – State Farm Insurance Agent
2606 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-3344 – View Map - Amado Flores – State Farm Insurance Agent
3345 Western Center Blvd Ste 180 – Fort Worth, TX 76137 – (817) 232-3000 – View Map
Deciding on an insurance agent requires more thought than just a cheap price quote. Get answers to these questions too.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will high miles depreciate repair valuations?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is the agent and/or agency licensed to do business in Texas?
If you receive acceptable answers to all your questions as well as a price you’re happy with, it’s a good possibility that you have found an insurance agency that is reputable and can adequately provide insurance.
More quotes mean more car insurance savings
People who switch companies do it for many reasons like questionable increases in premium, denial of a claim, not issuing a premium refund and even being labeled a high risk driver. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.
When getting Fort Worth car insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at a price you can afford.
A few companies may not provide rate quotes online and usually these smaller providers only sell through independent agents. Affordable Volvo XC60 insurance in Fort Worth is definitely available online and from local agencies, so you need to compare both to have the best selection.
How to find low-cost rates for Volvo XC60 insurance in Fort Worth
The easiest way to get discount car insurance rates in Fort Worth is to regularly compare prices from insurance carriers in Texas. Price quotes can be compared by following these guidelines.
- First, get a basic knowledge of car insurance and the things you can control to keep rates low. Many rating factors that result in higher rates such as accidents, careless driving, and an unacceptable credit rating can be rectified by making minor changes in your lifestyle.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Third, compare the new rate quotes to your existing policy and see if you can save money. If you find a lower rate, ensure there is no coverage lapse between policies.
- Fourth, provide notification to your current company of your intent to cancel your current policy. Submit the application along with any required down payment to the new company. Don’t forget to place your new certificate verifying coverage with your vehicle’s registration.
One thing to point out is that you’ll want to make sure you compare similar deductibles and liability limits on every quote and and to get price quotes from every insurance company. This ensures an accurate price comparison and a thorough selection of prices.
Much more information about car insurance in Texas can be read at these links:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Fort Worth? (FAQ)
- Who Has Affordable Fort Worth Auto Insurance Quotes for a GMC Sierra? (FAQ)
- Who Has Affordable Fort Worth Car Insurance for Good Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for Felons in Fort Worth? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Top Signs Your Brakes are Giving Out (State Farm)
- Credit and Insurance Scores (Insurance Information Institute)