Lower Your 2012 Volvo S80 Insurance Quotes

Finding lower premiums on insurance can be difficult for consumers new to comparison shopping online. There are so many options that it can quickly become a ton of work to locate the lowest price.

Quick Auto Insurance Quotes

There are multiple methods you can shop for 2012 Volvo S80 auto insurance but one way is less time-consuming than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you can utilize online quoting to get prices fast.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and at least one company returns a competitive quote for coverage. This system prevents you from having to do repetitive form submissions to each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to doing it this way is you cannot specify the insurers to get quotes from. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use identical deductibles and coverage limits for each price quote. If you compare different deductibles it’s impossible to determine the best price for your Volvo S80. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes helps you find lower pricing.

Discounts to lower Volvo S80 insurance rates

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Drive Less and Save – Keeping the miles down on your Volvo can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on S80 coverage with a few car insurance companies.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% on S80 coverage.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.

For a list of providers offering car insurance discounts, click here.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when pulling a rental trailer?
  • Do I have any recourse if my insurance company denies a claim?
  • Is pleasure use cheaper than using my 2012 Volvo S80 to commute?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Factors that can influence Volvo S80 insurance rates

Smart consumers have a good feel for some of the elements that help determine insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to lower insurance prices.

The following are a partial list of the pieces that factor into prices.

  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • How credit affects insurance rates – Your credit history is a important factor in determining what you pay for insurance. If your credit score is not that good, you could potentially save money when insuring your 2012 Volvo S80 by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Older drivers pay less – Teenage drivers tend to be more careless behind the wheel so insurance rates are higher. If you’ve ever had to add a teen driver to your policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Marriage pays dividends – Having a spouse helps lower the price on insurance. Having a spouse is viewed as being more responsible it has been statistically shown that married couples file fewer claims.
  • Lower miles equals lower premium – The more you drive in a year the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those used for commuting. Make sure your insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your S80 can cost quite a bit.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Drivers with clean records have lower premiums than their less careful counterparts. Only having one moving violation may increase your cost by twenty percent. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

Specific coverages for a 2012 Volvo S80

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Volvo S80.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, theft and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your S80 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, hitting a mailbox, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Auto liability – This coverage will cover damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like court costs, bail bonds, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for EMT expenses, funeral costs, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured cut full coverage only to discover later they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including denial of a claim, questionable increases in premium, policy cancellation or even high rates after DUI convictions. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

Lower-priced 2012 Volvo S80 insurance is available on the web as well as from independent agents, so you should compare both to have the best rate selection. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

To read more, link through to the articles below: