1999 Volvo S80 Insurance Rates – 6 Tips to Save

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you. Insurance companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are insured now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Finding the best rates is not that difficult. Vehicle owners just need to know the tricks to get comparison quotes over the internet.

Discounts are basically free money

The price of auto insurance can be rather high, but there could be available discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for S80 insurance than less cautious drivers.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will cut your premiums.

Companies that may offer these benefits include:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not apply in your area.

Which insurance is the “right” coverage?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?
  • Can I afford to buy a different vehicle if my 1999 Volvo S80 is totaled?
  • Is business equipment covered while in my vehicle?
  • Is there coverage for injuries to my pets?
  • Does insurance cover damages from a DUI accident?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my 1999 Volvo S80 qualify for pleasure use?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Do drivers who switch really save?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. They all have a common claim that you can save if you move your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For example, a driver they prefer could possibly be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be charged more money and this can result in business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can advertise the savings.

That is why it’s extremely important to get as many quotes as possible. It’s not possible to predict which car insurance company will give you the biggest savings on Volvo S80 insurance.

Insurance coverages explained

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your S80 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for chiropractic care, EMT expenses and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield, vandalism, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, pain and suffering, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Volvo S80.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Knowledge is power

In this article, we presented many tips how you can compare 1999 Volvo S80 insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed physical damage coverage only to find out that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

More tips and info about car insurance is located at these sites: