2014 Volvo S80 Car Insurance Quotes

Drivers have many options when trying to find the lowest priced Volvo S80 insurance. You can either spend your time driving around to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to get price quotes for a Volvo and obtain the lowest possible price either online or from local insurance agents.

Compare insurance price quotes online

Most larger insurance companies like State Farm, Allstate and GEICO make it easy to get coverage price quotes directly from their websites. Doing online price comparisons is very simple because you just enter your coverage information into a form. Behind the scenes, their quoting system sends out for your driving record and credit report and returns a price quote based on many factors.

Being able to quote online makes comparing rates easy, but the work required to visit different websites and type in the same data is a big time waster. Unfortunately, it is important to do this if you want to find a lower rate.

The smarter way to locate the lowest prices makes use of a single form to get prices from more than one company. It’s a real time-saver, requires less work, and makes rate comparisons much easier to do. After sending your information, it is quoted and you are able to buy any one of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you replicate coverages and limits as close as possible to your current policy. This guarantees you will be getting an apples-to-apples comparison using the exact same coverages.

More affordable rates with discounts

Car insurance is not cheap, but there are discounts available to help offset the cost. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be requested specifically before being credited.

Good Drivers – Safe drivers can pay as much as 50% less on S80 insurance than less cautious drivers.
No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident before hitting you with a surcharge so long as you are claim-free before the accident.
Low Mileage – Fewer annual miles on your Volvo may allow you to get cheaper insurance coveragerates.
Buy New and Save – Putting insurance coverage on a new car can get you a discount since new vehicles are generally safer.
Multiple Cars – Buying coverage for all your vehicles with the same insurance coverage company qualifies for this discount.
Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
No Claim Discounts – Insureds with no claims or accidents get the best insurance coverage rates compared to accident-prone drivers.
Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may have these money-saving discounts include:

If you are trying to find cheaper insurance coverage quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be offered in your state.

What is the best auto insurance coverage?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether you may require specific advice.

Do I need added coverage for expensive stereo equipment?
Am I covered if my car is in a flood?
I don’t drive much so do I pay less?
When can I cancel my policy?
Is my dog or cat covered if injured in an accident?
Do I need higher collision deductibles?
Does my car insurance cover rental cars?
Why am I required to buy liability insurance?
What can I do if my company won’t pay a claim?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Volvo S80.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like funeral costs, ambulance fees, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage covers damage to your S80 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.