Compare 2014 Volvo S80 Insurance Rates

Looking for better insurance rates? Shoppers have lots of choices when shopping for the best price on Volvo S80 insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance and we’ll show you the best way to get price quotes on a Volvo and locate the best price possible.

If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. The purpose of this article is to familiarize you with how to get online quotes and some tips to save money. Drivers just need to learn the most effective way to compare prices online.

Save with discounts on Volvo S80 insurance

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but lesser-known reductions have to be requested specifically before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • No Accidents – Claim-free drivers can earn big discounts when compared to bad drivers.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • No Charge for an Accident – A few companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way. But all discounts will bring down your premiums.

Insurance companies who might offer these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not apply in every state.

Elements that influence Volvo S80 insurance rates

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine your rates.

  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Careers like judges, social workers and accountants have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations such as pilots, athletes and performers get better rates for S80 insurance.
  • Pleasure use saves money – The more miles you rack up on your Volvo in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your S80 may be wasting your money.
  • Lower rates come with age – Youthful drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a teen driver onto a policy can be quite pricey. Older drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • High numbers of claims are not good – Auto insurance companies give discounts to policyholders who are claim-free. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for larger claims.
  • Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive for S80 insurance.

Tailor your coverage to you

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

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

  • When should I drop full coverage on my 2014 Volvo S80?
  • Does coverage extend to a rental car in a foreign country?
  • Should I have combined single limit or split liability limits?
  • Do I need added coverage for expensive stereo equipment?
  • Can my teen drive my company car?
  • Is pleasure use cheaper than using my 2014 Volvo S80 to commute?
  • Will filing a claim cost me more?
  • Is upholstery damage covered by car insurance?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Beware of misleading insurance coverage ads

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. They all make the same claim of big savings if you change to them.

But how can every company make almost identical claims?

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured could be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Potential customers who fall outside the requirements will be charged a higher premium and ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save money. This is how companies can truthfully advertise the savings.

That is why it’s extremely important to quote coverage with many companies. Because you never know which company will have the lowest Volvo S80 insurance rates.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, doctor visits, X-ray expenses and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, hail damage, fire damage, hitting a bird and theft. The maximum payout a 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.

Coverage for liability

This coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects, bail bonds, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This will pay to fix damage to your S80 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, rolling your car, crashing into a building, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers 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. Most of the time these coverages are identical to your policy’s liability coverage.

One last thing about your coverage

Drivers who switch companies do it for a number of reasons such as policy cancellation, denial of a claim, delays in responding to claim requests or even high prices. Regardless of your reason, choosing a new company is less work than it seems.

Affordable 2014 Volvo S80 insurance can be bought both online in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

In this article, we covered a lot of tips how to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

Additional detailed information is located at these sites: