2013 Volvo S80 Car Insurance Rates – 5 Ways to Save

Trying to come up with a payment for pricey insurance can bleed your funds and require stricter spending habits. Comparing rate quotes is a smart way to make ends meet.

With so many different company options, it’s nearly impossible to find the cheapest insurance company.

The easiest way to compare policy rates is to know the trick most larger insurance companies allow for online access to give you rate quotes. The only thing you need to do is provide a little information such as any included safety features, if you require a SR-22, driver ages, and if you have an active license. Those rating factors is instantly sent to insurance carriers in your area and they return quotes instantly to find the best rate.

To check rates for your 2013 Volvo S80 now, click here and enter your zip code.

Discount insurance coverage quotes

Auto insurance companies don’t list every available discount in a way that’s easy to find, so the following list contains both the well known and the harder-to-find insurance coverage savings.

• Save over 55 – Drivers that qualify as senior citizens may be able to get reduced rates for S80 coverage.
• Professional Organizations – Affiliation with a qualifying organization can get you a small discount on your next renewal.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower insurance coverage rate if you buy some life insurance in addition to your auto policy.
• Pay Now and Pay Less – By making one initial payment instead of making monthly payments you could save up to 5%.
• Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off the medical payments premium.

As a sidenote, some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will help reduce your policy premiums.

Companies that may offer policyholders these discounts may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before you buy a policy, ask every insurance company what discounts are available to you. All car insurance discounts may not apply to policies in your area. To see a list of insurance coverage companies that offer the discounts shown above, click this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Do I have newly-aquired coverage?
• Does insurance cover tools stolen from my truck?
• Are my friends covered when driving my 2013 Volvo S80?
• How much liability insurance is required?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I bundle my homeowners policy with my auto?
• Is pleasure use cheaper than using my 2013 Volvo S80 to commute?
• Should I file a claim if it’s only slightly more than my deductible?
• What if I total my 2013 Volvo S80 and owe more than it’s worth?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance ads are enticing

Consumers can’t escape the ads that claim the best car insurance rates from companies such as State Farm, Allstate and Geico. They all seem to make the promise about saving some big amount if you just switch to them.

How can each company make almost identical claims? This is the trick they use.

Auto insurance companies give the best rates for the right customer that will add to their bottom line. One example of a profitable customer might be described as between 30 and 50, has had continuous coverage, and chooses high deductibles. A propective insured that fits those parameters will probably get cheap car insurance rates and will most likely save a lot if they switch.

Consumers who don’t meet this stringent profile may receive higher premiums which usually ends up with the customer not buying. The trick is to say “people that switch” but not “all drivers who get quotes” save money. This is how insurance companies can make claims that they all have the best premium rates.

This really illustrates why drivers should get as many free car insurance quotes as possible. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Collision coverage – This coverage will pay to fix damage to your S80 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for bills for things like funeral costs, nursing services, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2013 Volvo S80.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, a broken windshield and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability – This coverage will cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Shop smart and save

You just learned some good ideas how to save on 2013 Volvo S80 insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

More information is located below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Frontal Crash Tests (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)