Compare 2015 Volvo S80 Insurance Quotes

If price shopping auto insurance online is new to you, it’s easy to get overwhelmed by the vast number of companies offering coverage.

Consumers need to price shop coverage quite often because prices are constantly changing. If you had the best rates on S80 coverage on your last policy a different company probably has better rates today. So just ignore everything you know about auto insurance because I’m going to teach you how to use online quotes to find lower rates on auto insurance.

How to Buy Car Insurance Online

Comparing car insurance rates can take time and effort if you don’t understand the most efficient way to do it. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Many of the larger companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company then gives them pricing based on that data. This prevents consumers from doing quote forms for every car insurance company.

To compare pricing click here to start a free quote.

The one downside to using this type of form is you are unable to specify the companies to receive prices from. So if you prefer to choose individual companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, be sure to compare apples-to-apples coverages for each comparison quote. If you are comparing mixed coverages it will be impossible to truly determine the lowest rate. Just a small difference in insurance coverages can mean a large discrepancy in price. Keep in mind that more quotes will improve the odds of getting the best rates.

Discounts are available to cut your rates

The price of auto insurance can be rather high, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked about before they will apply.

  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on S80 coverage than drivers with accidents.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Distant Student – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will reduce your overall premium however.

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

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not be available in your area.

Everyone needs different coverages

When buying the best insurance coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage if my license is suspended?
  • What is no-fault insurance?
  • What is covered by UM/UIM coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Car insurance coverage basics

Learning about specific coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, nursing services, ambulance fees, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volvo S80.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This protects you from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as legal defense fees, court costs and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your S80 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, rolling your car, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

More choices the merrier

We’ve covered a lot of ways to shop for 2015 Volvo S80 insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company.

When buying insurance coverage, you should never reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cheap insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Additional detailed information can be read in the articles below: