2013 Volvo S80 Car Insurance Rates

Tired of being strong-armed to buy car insurance? Your situation is no different than the majority of other car owners. There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to locate the cheapest rates.

It’s smart to get comparison quotes once or twice a year because rates change quite often. If you had the lowest price on S80 insurance a couple years back you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to find out one of the best ways to find better coverage at a better price.

Vehicle Insurance Comparison

All major insurance companies such as Progressive, Geico, Allstate and State Farm give coverage prices directly from their websites. This process is fairly straightforward as you just enter your coverage preferences as detailed in the form. After you complete the form, the company’s rating system gets reports for credit and driving violations and returns a price based on these factors. This makes it a lot easier to compare rates but the time required to go to a lot of sites and fill out multiple forms can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for better insurance pricing.

An easier way to get multiple rate quotes is to use a quote form that obtains quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. Immediately after you send the form, it is rated and you can select any of the resulting price quotes. If you find a better price you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and can result in significant savings.

To save time and find out how much you’re overpaying now, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. This makes sure you will get a price comparison for similar coverage.

Discounts mean cheaper Volvo S80 insurance rates

Companies do not advertise all available discounts very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.

  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
  • Defensive Driver – Taking a defensive driving course could save 5% or more if your company offers it.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

Companies who might offer these money-saving discounts include:

Double check with each insurance company which discounts they offer. Savings might not apply everywhere.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my 2013 Volvo S80 qualify for pleasure use?
  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?
  • What discounts do I qualify for?
  • What is the rate difference between pleasure use and commuting?
  • Where can I find DUI or SR-22 insurance?
  • Does coverage extend to Mexico or Canada?
  • Does liability extend to a camper or trailer?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Learn about insurance coverages for a Volvo S80

Learning about specific coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, hitting a deer, hitting a bird, theft and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like rehabilitation expenses, pain medications, EMT expenses, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverages – This coverage can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, loss of income, court costs, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured and underinsured coverage – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Volvo S80.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. 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, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.