Compare Volvo S80 Insurance Rate Quotes in Scottsdale

Insurance for Volvo S80Comparing Scottsdale auto insurance quotes online can seem complicated if you have never taken advantage of online rate comparisons. But don’t be overwhelmed because finding affordable coverage for Volvo S80 insurance in Scottsdale is easier than you think.

Steps to buying discount Volvo S80 insurance in Scottsdale

The preferred way to find more affordable Volvo S80 insurance is to compare prices regularly from insurers that sell auto insurance in Scottsdale. You can compare rates by following these steps.

First, take a little time to learn about what coverages are included in your policy and the measures you can take to prevent high rates. Many factors that result in higher prices such as careless driving and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes. This article provides information to help keep prices low and get additional discounts that may be available.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can give you price quotes for many different companies.

Third, compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate and change companies, make sure there is no coverage gap between policies.

Fourth, give notification to your agent or company of your intent to cancel your existing policy and submit payment along with a signed and completed policy application to your new company or agent. Be sure to keep your new certificate verifying proof of insurance in your vehicle.

The key aspect of shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on every price quote and and to get rate quotes from every company you can. This ensures the most accurate price comparison and many rates to choose from.

Astonishing but true according to a recent study, over 70% of Arizona drivers have been with the same company for four years or more, and nearly 40% of drivers have never shopped around. The average driver in America could save up to $859 each year just by comparing rates, but they don’t understand how simple it is to compare rates and save money.

When price shopping your coverage, making a lot of price comparisons helps improve the odds of finding the best rates. Not every company provides Scottsdale S80 insurance quotes online, so it’s important to compare quotes from them, too.

The providers in the list below are ready to provide price comparisons in Scottsdale, AZ. To locate the best car insurance in Scottsdale, we recommend you visit as many as you can to get a more complete price comparison.

Lower rates by qualifying for discounts

Companies offering auto insurance do not list all discounts in an easy-to-find place, so here is a list a few of the more common as well as the least known credits that you can use to lower your rates.Discount car insurance

You should keep in mind that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, it’s just not the way it works.

The example below compares Volvo S80 annual premium costs with and without discounts being applied to the rates. The data is based on a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, multi-policy, and safe-driver discounts applied.

To see a list of insurers with the best Volvo S80 insurance discounts in Scottsdale in Scottsdale, click this link.

Volvo S80 insurance rates and statistics

The premium table shown below outlines estimates of insurance policy prices for Volvo S80 models. Having a better understanding of how insurance prices are established is important for making smart choices when selecting a coverage provider.

Volvo S80 Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $282 $518 $306 $18 $92 $1,216 $101
S80 T6 AWD $282 $518 $306 $18 $92 $1,216 $101
S80 Executive AWD $282 $588 $306 $18 $92 $1,286 $107
S80 V8 AWD $312 $588 $306 $18 $92 $1,316 $110
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in specific garaging location which can modify premiums noticeably.

Comparison of policy deductibles

One of the hardest decisions when shopping for insurance is where to set your physical damage deductibles. The following insurance rates sum up the rate differences when you select higher and lower deductibles. The first table uses a $250 deductible and the second rate table uses a $1,000 deductible.

Volvo S80 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $292 $530 $300 $18 $90 $1,255 $105
S80 T6 AWD $292 $530 $300 $18 $90 $1,255 $105
S80 Executive AWD $292 $600 $300 $18 $90 $1,325 $110
S80 V8 AWD $322 $600 $300 $18 $90 $1,355 $113
Get Your Own Custom Quote Go

Volvo S80 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $180 $334 $300 $18 $90 $922 $77
S80 T6 AWD $180 $334 $300 $18 $90 $922 $77
S80 Executive AWD $180 $376 $300 $18 $90 $964 $80
S80 V8 AWD $198 $376 $300 $18 $90 $982 $82
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in zip code location which can modify coverage rates substantially.

Based on this data, using a $250 deductible costs an average of $29 more each month or $348 annually than opting for the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 26 months between claims, you would save money if you opt for a higher deductible.

Volvo S80 liability rates compared to full coverage

The example below shows the difference between Volvo S80 auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. Data assumes no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

When to drop full coverage

There is no written rule of when to exclude full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Volvo S80 replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If you are paying over $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Volvo S80 Insurance Cost Factors

Smart consumers have a good feel for the different types of things that help calculate the price you pay for car insurance. If you have some idea of what impacts premium levels, this enables informed choices that can earn you lower premium levels.

Responsible drivers pay the best prices – Your driving citation history has a big impact on rates. Having a single driving citation may cause rates to rise by as much as thirty percent. Good drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who have received multiple tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state DMV in order to keep their license.

The diagram below demonstrates how speeding tickets and accidents can impact Volvo S80 car insurance costs for each age group. The rates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

What’s your car’s safety rating? – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles reduce injuries and fewer serious injuries means lower claim amounts which can result in lower premiums. If your Volvo S80 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Insurance rates in urban areas – Being located in less populated areas of the country has definite advantages if you are looking for the lowest rates. Drivers in populated areas have more aggressive driving styles and higher rates of accident claims. Less people means less chance of accidents.

Lower performance equals lower insurance rates – The make and model of the vehicle you need insurance for makes a big difference in your rates. The cheapest insurance rates are usually for low performance passenger vehicles, but your final cost has many other factors.

The chart below assumes a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Volvo S80 car insurance rates compared to other makes and models that have a range of performance risks.

Is you vocation costing you more? – Occupations like fire fighters, executives, and stock brokers have the highest average rates attributed to high stress levels and lots of time spent at work. Other professions such as scientists, students and retirees have the lowest average rates.

Volvo S80 insurance claim data – Car insurance companies use past insurance losses when setting premium prices. Vehicles that historically have higher claim amounts or frequency will have a higher premium rate. The table below outlines the compiled insurance loss statistics for Volvo S80 vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Values that are under 100 represent a good loss history, while numbers above 100 indicate higher probability of having a loss or larger claims.

Volvo S80 Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volvo S80 4dr 2WD 82
Volvo S80 4dr 4WD 93

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

When to talk to an insurance agent

Some consumers would rather get professional advice from a licensed agent and that can be a smart move One of the benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance rates and still buy from a local agent. Putting coverage with small agencies is important particularly in Scottsdale.

Insurance agency in ScottsdaleAfter completing this quick form, the quote information is instantly submitted to local insurance agents that can give you free Scottsdale auto insurance quotes for your auto insurance coverage. There is no reason to contact an agency because quoted prices will be sent to your email. You can find lower rates without requiring a lot of work. If for some reason you want to get a comparison quote from one company in particular, you can always navigate to their website and fill out the quote form the provide.

Finding the right company requires you to look at more than just a cheap price quote. Any agent in Scottsdale should be willing to answer these questions.

Upon receiving reasonable responses to these questions as well as offering an affordable quote, you’ve probably found an provider that will adequately provide auto insurance. But remember, you can cancel your policy any time you want so don’t feel that you are obligated to a specific company with no way out.

Do I just need basic coverages?

When selecting the best car insurance coverage, there is no one-size-fits-all type of policy. Each situation is unique.Higher deductibles save money

For instance, these questions may help highlight if your situation might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Cheaper insurance rates are available

We covered many ways to shop for Volvo S80 insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with an unexpected company.

Drivers leave their current company for a number of reasons such as denial of a claim, delays in responding to claim requests, being labeled a high risk driver or poor customer service. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

How to find cheaper rates for Volvo S80 insurance in Scottsdale

If you want to save money, the best way to find more affordable Volvo S80 insurance is to compare prices regularly from different companies in Scottsdale.

  1. Try to learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates such as your driving record and a substandard credit history can be rectified by making small lifestyle or driving habit changes.
  2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while independent agents can provide rate quotes from multiple sources. View rates
  3. Compare the price quotes to the premium of your current policy and determine if there is any savings. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

The key thing to know about shopping around is to try to use the same liability limits and deductibles on every quote request and and to get prices from every company you can. Doing this guarantees a fair price comparison and a better comparison of the market.

More articles