Compare 2014 Volvo S80 Car Insurance Rates

Looking for cheaper auto insurance rates for your Volvo S80? Buying car insurance is not a procedure consumers enjoy doing, but it’s mandatory in order to satisfy compulsory insurance requirements.

It’s a great practice to shop coverage around before your policy renews because insurance rates change regularly. Even if you think you had the best price on S80 coverage last year you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you’re about to learn how to use online quotes to save on auto insurance.

How to Buy Car Insurance Online

Most companies such as Allstate, Geico and Progressive provide insurance quotes on their websites. This process is quite easy as you simply enter the amount of coverage you want as requested by the quote form. When complete, their rating system orders your driving and credit reports and gives you a price quote based on many factors.

This makes it a lot easier to compare rates but the process of having to visit multiple sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get better car insurance pricing.

A less time-consuming method to compare car insurance pricing is to use a quote form that obtains quotes from a bunch of companies at once. It saves time, eliminates form submissions, and makes price shopping online a lot less work. After your information is entered, it is quoted with multiple companies and you can pick your choice of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you enter coverages and limits exactly as shown on your declarations page. This way, you are getting rate comparison quotes for similar insurance coverage.

Factors that can influence Volvo S80 insurance rates

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower car insurance prices.

The following are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Do you need those extra coverages? – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Coverages for personal injury protection, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them eliminate them to save money.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Too many car insurance claims drive up costs – Auto insurance companies provide cheaper rates to drivers who are claim-free. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • More than one policy can earn a discount – Most insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal.
  • Do you know your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Volvo. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more you are required to pay out-of-pocket, the less your car insurance will be on S80 coverage.
  • Liability coverage is cheap – The liability section of your policy is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Choose a safe vehicle and save – Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Volvo S80 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Cut prices on Volvo S80 insurance

Auto insurance companies do not advertise every discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known car insurance savings.

  • Multi-policy Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Memberships – Being a member of a qualifying organization could trigger savings on car insurance on S80 coverage.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because maintaining a house shows financial diligence.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Multiple Cars – Insuring all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • Air Bag Discount – Vehicles with factory air bags can receive discounts of more than 20%.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, you’re out of luck.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not apply everywhere.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if you might need professional guidance.

  • Are rental cars covered under my policy?
  • When should I drop full coverage on my 2014 Volvo S80?
  • Is my camper covered by my car insurance policy?
  • Should I carry comprehensive and collision coverage?
  • What discounts do I qualify for?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need roadside assistance coverage?
  • Is a fancy paint job covered?

If it’s difficult to answer those 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, fill out this quick form.

Specific coverages for a 2014 Volvo S80

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as structural damage, attorney fees, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, doctor visits, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, rock chips in glass and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volvo S80.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision coverage pays for damage to your S80 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, crashing into a ditch, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

At the end of the day…

Cost effective 2014 Volvo S80 insurance can be purchased online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of techniques to lower your insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with the smaller companies.

Insureds switch companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, not issuing a premium refund or even high prices. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

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