Lower Your 2000 Volvo S80 Car Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many people just like you. You have so many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it makes it harder to find the lowest cost provider.

It’s a good idea to shop coverage around before your policy renews because insurance rates are usually higher with each renewal. Just because you had the best deal for S80 insurance a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Comprehensive Insurance Comparison Quotes

Effectively comparing insurance prices can be challenging if you don’t know the easiest way. You can waste hours talking about coverages with insurance agencies in your area, or you could use the internet for quick rates.

Most car insurance companies take part in a program that enables customers to send in one quote, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms for every insurance company.

To compare 2000 Volvo S80 rates now click here to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly which providers you will receive quotes from. So if you prefer to choose specific providers to compare, we have assembled a list of the cheapest insurance companies in your area. Click to view list.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples quote information with each company. If you use different deductibles it’s not possible to determine which rate is truly the best.

Why your Volvo S80 insurance rates may be high

Consumers need to have an understanding of the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • Lower miles equals lower premium – The more miles you rack up on your Volvo in a year the higher your rates will be. Most insurance companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Having the wrong rating on your S80 can result in significantly higher rates. Ask your agent if your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Your spouse saves you money – Having a wife or husband can get you a discount on your auto insurance policy. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Just one citation can boost insurance rates forty percent or more. Careful drivers get better rates than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Jobs such as judges, business owners and stock brokers are shown to have the highest rates attributed to stressful work requirements and lots of time spent at work. On the other hand, jobs such as scientists, students and homemakers pay the least for S80 insurance.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Volvo has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Cut your premium with discounts

Auto insurance companies don’t list every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off the personal injury premium cost.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way.

To see a list of insurers offering auto insurance discounts, click here to view.

What is the best insurance coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • When can my company non-renew my policy?
  • Exactly who is provided coverage by my policy?
  • What companies insure drivers after a DUI or DWI?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving in Canada or Mexico?
  • Does car insurance cover theft of personal property?
  • Do I need motorclub coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volvo S80.

Due to the fact that 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 should not be overlooked.

Auto collision coverage

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

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim 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 payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as hospital visits, EMT expenses, X-ray expenses, nursing services and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like loss of income, pain and suffering, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Affordable insurance is out there

We just showed you quite a bit of information on how to compare 2000 Volvo S80 insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small mutual company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Lower-priced insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

More detailed auto insurance information can be found at these sites: