2009 Volvo S80 Car Insurance Quotes

Looking for cheaper car insurance rates for your Volvo S80? No one in their right mind looks forward to buying car insurance, particularly when the cost is way too high.

There is such a variety of insurers to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost car insurance.

Buying car insurance is quite easy. In a nutshell, every driver who carries auto insurance will more than likely be able to find better rates. Although consumers must understand the way companies market on the web and use this information to your advantage.

Finding Insurance

All the larger insurance companies provide prices for coverage on the web. The process is fairly simple as you just enter the coverage amounts you desire into the quote form. After the form is submitted, their system makes automated requests for your driving and credit reports and generates a price based on these and other factors. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you want to find the best price on insurance.

There is a better way!

The smarter way to find cheaper rates makes use of a single form to obtain quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons a lot less work. After sending the form, it is rated and you are able to buy any of the pricing results. If you find a better price you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

To quickly find out how much you can save on insurance, click here to open in new window and enter your information. To compare your current rates, we recommend that you enter deductibles and limits as shown on your current policy. This guarantees you are getting rate comparison quotes for similar insurance coverage.

Take advantage of discounts

Companies that sell car insurance don’t always publicize every discount very clearly, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Accident Free – Claim-free drivers pay much less as compared to accident-prone drivers.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • One Accident Forgiven – Some insurance companies permit an accident before raising your premiums if your claims history is clear prior to the accident.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies that may have some of the above discounts include:

Check with each company what discounts are available to you. Savings may not be available in your area.

How to know if you need help

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out whether or not you may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy additional glass protection?
  • Does my car insurance cover rental cars?
  • Am I covered when pulling a rental trailer?
  • Do I need an umbrella policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance specifics

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volvo S80.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, fire damage, a broken windshield, vandalism and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your S80 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.