2014 Volvo S80 Car Insurance Quotes – 8 Ways to Save

Searching for cheaper insurance rates? Consumers have many options when looking for low-cost Volvo S80 insurance. They can either spend hours calling around to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to buy insurance so you’re going to learn the proper way to quote coverages for your Volvo and obtain the lowest price from both online companies and local agents.

Consumers need to get comparison quotes before your policy renews since insurance prices change frequently. Even if you think you had the lowest rates on S80 insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to show you the proper way to find better rates and still maintain coverage.

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to reduce the price you pay while maintaining coverages. The purpose of this post is to help educate you on the most effective way to quote insurance. Drivers only need to know the best way to get comparison quotes online.

The method we recommend to get rate comparisons is to know car insurance companies allow for online access to give free rates quotes. The one thing you need to do is provide a little information such as if the vehicle is leased, how your vehicles are used, whether you are married, and if you have a valid license. Your information gets sent immediately to all major companies and they respond with quotes instantly to find the best rate.

Verify you’re earning every discount

Auto insurance is not inexpensive, but there could be significant discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be inquired about in order for you to get them.

• Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Bundle and Save – If you combine your auto and home policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• No Claims – Insureds who avoid accidents and claims pay less compared to bad drivers.
• Federal Government Employee – Active or former government employment may qualify for a discount when you quote auto insurance on S80 insurance but check with your company.
• 55 and Retired – Drivers over the age of 55 could receive lower premium rates on S80 insurance.
• Multi-car Discount – Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.
• Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems could see savings as much as 30%.
• Lower Rates for Military – Having a family member in the military can result in better prices.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free auto insurance policy, companies wouldn’t make money that way.

Auto insurance companies that may offer quotes with most of these discounts include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need cheap auto insurance quotes, ask every insurance company to give you their best rates. Some discounts may not be available in your area.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Why is insurance for a teen driver so high?
• What discounts do I qualify for?
• Can I make deliveries for my home business?
• Which is better, split liability limits or combined limits?
• Do I benefit by insuring my home with the same company?
• Should I bundle my homeowners policy with my auto?
• Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a Volvo S80

Learning about specific coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, fire damage, damage from flooding and vandalism. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for chiropractic care, prosthetic devices, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volvo S80.

Since many drivers only purchase the least amount of liability that is required, 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 coverages – Liability coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your S80 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Be a Smart Shopper

We’ve covered some good ideas how you can reduce 2014 Volvo S80 insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier.

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, lack of trust in their agent and high prices. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Cheaper auto insurance is definitely available online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies may not offer price quotes online and many times these regional insurance providers only sell through independent agents.

To learn more, feel free to browse the following helpful articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Insurance Losses by Make and Model (iihs.org)