View 2004 Volvo S80 Car Insurance Quotes

Overpriced Volvo S80 insurance can empty your checking account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Numerous insurers battle to insure your vehicles, so it’s not easy to compare every insurance company to get the lowest cost out there.

You need to compare prices every six months because rates are variable and change quite frequently. Even if you got the best rates for S80 insurance a few years ago other companies may now be cheaper. Starting now, ignore everything you know about auto insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.

If you are insured now or need new coverage, you can follow these tips to find better prices and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to understand the proper way to find the lowest price over the internet.

Don’t miss these discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Club Memberships – Participating in a civic or occupational organization could trigger savings when shopping for insurance coverage for S80 insurance.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for S80 insurance.
  • Accident Free – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.

Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way. But any discount will bring down your premiums.

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

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in every state.

How to Get Car Insurance

Getting a lower price on 2004 Volvo S80 insurance is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done in several different ways.

The best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Filling out one form will return price quotes from multiple companies.

A slightly less efficient method to shop for car insurance online is spending the time to visit the website for every company you want to comare to request a price quote. For example, we’ll pretend you want rates from Liberty Mutual, 21st Century and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The least recommended method to get comparison rates is driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you require the professional advice of a licensed agent. It is possible to compare the best prices online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, ensure you are comparing exactly the same coverage information on every quote you get. If the quotes have different deductibles it will be impossible to make a fair comparison for your Volvo S80.

Impacting insurance rates for a Volvo S80

An important part of buying insurance is that you know some of the elements that help determine insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

  • Mature drivers pay less – Youthful drivers are known to get distracted easily when behind the wheel so they pay higher insurance rates. Older insureds are more responsible, statistically cause fewer accidents and are safer drivers.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance companies provide lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically receive more costly citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Protect yourself with liability coverage – Liability coverage will protect you in the event that you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Multi-policy discounts can save money – Some insurers provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to shop around to verify if the discount is saving money.
  • Where do you drive? – The higher the mileage driven in a year’s time the higher your rate. Almost all companies rate vehicles based on their usage. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your S80 can result in significantly higher rates.
  • Equipment add-ons that lower insurance rates – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could save money insuring your 2004 Volvo S80 by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.

When might I need help?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Do I need an umbrella policy?
  • When should I remove comp and collision on my 2004 Volvo S80?
  • What can I do if my company denied a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my babysitter covered when using my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Can you really save $468 a year?

Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you switch to them.

But how can every company make the same claim?

All the different companies have a certain “appetite” for the right customer that makes them money. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who do not match this ideal profile must pay more money which usually ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save money. This is how companies can truthfully make the claims of big savings.

This illustrates why it’s extremely important to get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Coverages available on your policy

Knowing the specifics of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like ambulance fees, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.


Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as funeral expenses, attorney fees, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2004 Volvo S80.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive car insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, a broken windshield and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Stretch your dollar

When trying to cut insurance costs, never reduce needed coverages to save money. In too many instances, someone sacrificed full coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible at an affordable rate.

Cheaper 2004 Volvo S80 insurance is available on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented many ideas to get a better price on insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with the least-expected company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

More information can be read on the following sites: