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2009 Volvo C30 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2009 Volvo C30 are $1,102 a year for full coverage. Comprehensive costs an estimated $186, collision costs $284, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,382. Teen drivers receive the highest rates at $4,378 a year or more.

Annual premium for full coverage: $1,102

Rate estimates for 2009 Volvo C30 Insurance

Comprehensive $186
Collision $284
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Volvo C30 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for a discount liability-only rate to the much higher price of $2,382 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,102
High Risk $2,382

View Chart as Image

2009 Volvo C30 insurance rates compared
Column chart showing 2009 Volvo C30 insurance prices range from $656 to $4,378 for full coverage

These differences show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 Volvo C30 Insurance

Searching Companies

Confused by the wide range of car insurance options? Lot’s of other consumers are too. You have so many companies to choose from that it can turn into a challenge to compare prices.

Do you qualify for a discount?

Companies that sell car insurance do not list every discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on insurance coverage.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Accident Waiver – A few companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Early Signing – Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Drive Less and Save – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Distant Student – Children who are attending college and do not have a car may qualify for this discount.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on C30 coverage.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies who might offer these benefits are:

It’s a good idea to ask every prospective company how you can save money. Savings might not be offered in every state.

Comparison of Insurance

There are a lot of ways to compare insurance prices but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to maximize your effort.

Many insurance companies take part in a program that enables customers to submit one quote, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing form submissions to each company.

To use this form to compare 2009 Volvo C30 insurance rates click here to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly the providers to get pricing from. So if you prefer to pick individual companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverages on every quote you get. If each company quotes mixed coverages it’s not possible to determine the best price for your Volvo C30. Just a small difference in coverages may cause a big price difference. And when comparing insurance rates, know that obtaining a wide range of quotes provides better odds of finding lower pricing.

What coverages do I need?

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • How can I force my company to pay a claim?
  • When can I cancel my policy?
  • How can I get high-risk coverage after a DUI?
  • Do I benefit by insuring my home with the same company?
  • What are the financial responsibility laws in my state?
  • Are my friends covered when driving my 2009 Volvo C30?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I owe more than I can insure my car for?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Learn about insurance coverages for a 2009 Volvo C30

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, hail damage, a tree branch falling on your vehicle, damage from flooding and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like surgery, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2009 Volvo C30.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

This protects you from damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Don’t break the bank

Budget-conscious 2009 Volvo C30 insurance is possible both online as well as from independent agents, and you should be comparing both to get a complete price analysis. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We covered a lot of techniques to lower your insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the lesser-known companies.

When you buy insurance online, you should never skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Additional information is available at the links below

Rates by U.S. City

2009 Volvo C30 Insurance Rates by City
City Premium
New York City, NY $1,740
Los Angeles, CA $1,887
Philadelphia, PA $1,473
Jacksonville, FL $1,601
Phoenix, AZ $1,282
Chicago, IL $1,480
Houston, TX $1,729
Seattle, WA $1,074
Columbus, OH $922
Indianapolis, IN $936

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Volvo C30 Insurance Rates by Driver Age
Driver Age Premium
16 $4,378
20 $2,530
30 $1,128
40 $1,102
50 $1,010
60 $990

Full coverage, $500 deductibles

Rates by Deductible

2009 Volvo C30 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,308
$250 $1,214
$500 $1,102
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Volvo C30 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,102
50/100 $1,197
100/300 $1,315
250/500 $1,623
100 CSL $1,244
300 CSL $1,505
500 CSL $1,695

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Volvo C30 Insurance Rates for High Risk Drivers
Age Premium
16 $6,186
20 $4,038
30 $2,408
40 $2,382
50 $2,276
60 $2,254

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $151

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $76
Total Discounts $446
Rate after discounts $656

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Volvo C30 Insurance Rates by State
State Premium
Alabama $996
Alaska $846
Arizona $916
Arkansas $1,102
California $1,258
Colorado $1,052
Connecticut $1,134
Delaware $1,248
Florida $1,380
Georgia $1,016
Hawaii $792
Idaho $744
Illinois $822
Indiana $828
Iowa $744
Kansas $1,050
Kentucky $1,504
Louisiana $1,630
Maine $680
Maryland $908
Massachusetts $882
Michigan $1,914
Minnesota $922
Mississippi $1,320
Missouri $978
Montana $1,182
Nebraska $870
Nevada $1,322
New Hampshire $792
New Jersey $1,230
New Mexico $978
New York $1,160
North Carolina $636
North Dakota $904
Ohio $762
Oklahoma $1,134
Oregon $1,010
Pennsylvania $1,052
Rhode Island $1,470
South Carolina $998
South Dakota $932
Tennessee $966
Texas $1,330
Utah $816
Vermont $756
Virginia $660
Washington $852
West Virginia $1,010
Wisconsin $764
Wyoming $982

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