Insurance quote for Volvo XC70 in TacomaAre you at wits end from trying to scrape together enough money to keep your car insured? You are in the same boat as many other Washington drivers.

A recent study showed that a large majority of insurance policyholders renewed their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rates with other companies. Many drivers in Tacoma can save hundreds of dollars each year, but they just assume it takes a lot of time to find lower-cost insurance rates. Big companies like Allstate and Progressive persitently shower you with ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you already have coverage or want to find a cheaper company, you can use this information to shop for the lowest rates and still get good coverage. Buying the cheapest auto insurance in Tacoma is not that difficult. Drivers just need to understand the best way to compare different rates over the internet.

The quickest method we recommend to compare car insurance company rates for Volvo XC70 insurance in Tacoma is to realize all the major auto insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is give them rating details such as whether the vehicles are used for commuting, if it has an alarm system, if you're married, and what you do for a living. Your information is submitted instantly to many of the top insurers and you receive quotes instantly to find the best rate.

To compare multiple company cheaper Volvo XC70 insurance rates now, click here and enter your zip code.

The companies shown below are ready to provide free rate quotes in Washington. If several companies are displayed, we recommend you get rates from several of them in order to get a fair rate comparison.

Volvo XC70 Insurance Cost Estimates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $174 $328 $404 $24 $120 $1,050 $88
XC70 T6 AWD 4-Dr $212 $386 $344 $20 $102 $1,064 $89
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific garaging location which can change prices considerably.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following tables sum up the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Volvo XC70 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $286 $452 $334 $20 $100 $1,217 $101
XC70 T6 AWD 4-Dr $286 $520 $334 $20 $100 $1,285 $107
Get Your Own Custom Quote Go
Volvo XC70 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC70 3.2 AWD Station Wagon $176 $284 $334 $20 $100 $914 $76
XC70 T6 AWD 4-Dr $176 $328 $334 $20 $100 $958 $80
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in Tacoma location which can revise auto insurance rates significantly.

Based on the data above, we can derive that using a $250 deductible costs approximately $26 more each month or $312 a year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 29 months between claim filings, you would save more money by selecting a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $104
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you file a claim. You must have enough money in the bank in order to pay the deductible to have repairs made.

Car insurance premiums based on gender

The example below visualizes the comparison of Volvo XC70 premium costs for male and female drivers. The rates are based on no claims, a clean driving record, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Insurance discounts are available for cheaper rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can help lower your rates. Certain credits will be shown at the time of purchase, but a few need to be manually applied before they will apply.Cheaper insurance with discounts

Keep in mind that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

A list of insurance companies and a partial list of their discounts are:

Double check with every prospective company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in Tacoma. To see a list of insurers with the best Volvo XC70 insurance discounts in Tacoma, click here.

Neighborhood Tacoma auto insurance agents

Certain consumers would prefer to get advice from a local agent and that can be a great decision Good agents are highly skilled in risk management and help in the event of a claim. One of the benefits of price shopping on the web is you may find the lowest rates and still choose a local agent.

Find insurance agent in TacomaFor easy comparison, once you complete this form (opens in new window), your coverage information is emailed to agents in your area that give free quotes for your business. It simplifies rate comparisons since you won't have to leave your house since rate quotes are delivered to you. If you want to get a price quote from one company in particular, you just need to search and find their rate quote page and fill out their quote form.

Picking an company shouldn't rely on just the quoted price. Before buying a policy in Tacoma, get answers to these questions.

Exclusive or Independent: There is a difference

When finding a local Tacoma insurance agent, you need to know there are two different types of agents and how they function. Car insurance policy providers are categorized either independent or exclusive. Either can write car insurance policies, but it's worth learning how they are different since it can affect which type of agent you select.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents.

The following are Tacoma exclusive agents willing to provide comparison quotes.

3025 S Union Ave - Tacoma, WA 98409 - (253) 475-0753 - View Map

10909 Portland Ave E p - Tacoma, WA 98445 - (253) 531-5703 - View Map

6706 24th St W Ste B - University Place, WA 98466 - (253) 564-8891 - View Map

More Tacoma agents

Independent Agencies or Brokers

Independent agencies do not work for one specific company and that enables them to quote your coverage with lots of companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company and the insured can keep the same agent. If you are trying to find cheaper rates, it's recommended you contact multiple independent agents to get the best comparison.

The following are independent agencies in Tacoma willing to provide rate quotes.

Roe Insurance Services LLC
7642 Pacific Ave - Tacoma, WA 98408 - (253) 472-3977 - View Map

Tom Snead Insurance Agency
2710 N Huson St - Tacoma, WA 98407 - (253) 214-5200 - View Map

3401 S 19th St #200 - Tacoma, WA 98405 - (800) 701-5909 - View Map

More Tacoma agents

Why You Might Pay Inflated Rates in Tacoma

When buying car insurance it's important to understand some of the factors that come into play when calculating your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that may reward you with big savings.

Auto insurance is not optional in Washington

Despite the high insurance cost for a Volvo XC70 in Tacoma, insurance serves an important purpose.

The benefits of insuring your car more than offset the price you pay, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $869 every year so it's important to compare rates at every renewal to be sure current rates are still competitive.

Shop smart and save

Low-cost Volvo XC70 insurance in Tacoma can be sourced online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. A few companies don't offer the ability to get a quote online and many times these small, regional companies only sell through independent agents.

You just read some good ideas how to save on Volvo XC70 insurance in Tacoma. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive Tacoma car insurance quotes. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Helpful learning opportunities