2014 Volvo S80 Car Insurance Quotes – 7 Policy Discounts

Trying to find cheaper insurance coverage rates for your Volvo S80? If you are a novice to online insurance coverage shopping, it’s easy to get confused by the hoards of companies all offering big savings.

Consumers need to shop coverage around yearly because insurance rates change regularly. Just because you found the best price for S80 insurance six months ago you may be paying too much now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to get good coverage at a lower rate.

Finding the best rates is not rocket science. In a nutshell, every vehicle owner who buys insurance should be able to save money. But vehicle owners do need to know how insurance companies compete online.

Free Insurance Coverage Quotes

When shopping for insurance coverage there are multiple ways to get quotes from local insurance coverage companies. One of the best ways to compare 2014 Volvo S80 insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

One of the best ways consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form eliminates the need for a different quote to each individual insurance coverage company. Taking the time to complete one form gets rate comparisons from insurance coverage companies with the best prices. It’s definitely the quickest method.

A slightly less efficient method to obtain and compare quotes online consists of going to each company’s website to complete a price quote. For example, let’s assume you want comparison quotes from Auto-Owners, Safeco and Allstate. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The hardest method of getting rate comparisons is driving around to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the professional advice that only a license agent can provide. It is possible to comparison shop your insurance online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples deductibles and coverage limits with each company. If you use different values for each quote you will not be able to determine which rate is truly the best. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, quoting more will increase your chances of finding a better price.

Don’t miss these seven discounts

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find ways to save on insurance coverage.

• Defensive Driving Course – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Air Bag Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for S80 insurance than their less cautious counterparts.
• Resident Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
• Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
• New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies who offer insurance coverage discounts, click here.

When might I need help?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• How do I insure my teen driver?
• Do I need motorclub coverage?
• Is pleasure use cheaper than using my 2014 Volvo S80 to commute?
• Will filing a claim cost me more?
• Do I have newly-aquired coverage?
• Are all vehicle passengers covered by medical payments coverage?
• How do I file an SR-22 for a DUI in my state?
• What discounts do I qualify for?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance policy coverages for a 2014 Volvo S80

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, hospital visits, nursing services and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your S80 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2014 Volvo S80.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability – This coverage will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, damage from a tornado or hurricane and hitting a bird. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.