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2010 Volvo S40 Insurance Rates

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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: Apr 3, 2020

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Average insurance rates for a 2010 Volvo S40 are $1,126 a year with full coverage. Comprehensive insurance costs an estimated $194 each year, collision costs $300, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,432 or more. Teen drivers receive the highest rates at $4,450 a year or more.

Annual premium for full coverage: $1,126

Rate estimates for 2010 Volvo S40 Insurance

Comprehensive $194
Collision $300
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Volvo S40 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 40-year-old driver, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,432 for high-risk insurance.

Liability Only $522
Full Coverage $1,126
High Risk $2,432

View Chart as Image

2010 Volvo S40 insurance rates compared
Column chart showing 2010 Volvo S40 insurance prices range from $670 to $4,450 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than relying 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 2010 Volvo S40 Insurance

Searching Companies

Looking for lower insurance coverage rates for your Volvo S40? Are you overwhelmed by the number of insurance coverage company choices? Many other drivers are as well. Drivers have so many choices that it can be a real hassle to compare prices.

Don’t miss these eight discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but less common discounts must be specially asked for before you get the savings.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for S40 coverage than their less cautious counterparts.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates for S40 coverage.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

It’s important to note that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts, click here.

Do drivers who switch really save $397 a year?

State Farm, Allstate and GEICO consistently run television and radio advertisements. All the companies say the same thing that you can save if you change to their company. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver that makes them money. For example, a profitable customer could possibly be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and as a result will probably save when switching.

Drivers who fall outside these standards will have to pay higher premiums which leads to business not being written. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can claim big savings.

Because of the profiling, you should quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Free Auto Insurance Comparison

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When might I need help?

When buying the best car insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Do I need more liability coverage?
  • Am I getting all the discounts available?
  • How many claims can I have before being canceled?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when pulling a rental trailer?
  • I have health insurance so do I need medical payments coverage?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, ambulance fees, chiropractic care, nursing services and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage

This coverage will pay to fix damage to your S40 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, colliding with a tree, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or 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 emergency aid, attorney fees, bail bonds and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, fire damage, a broken windshield and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

What is YOUR best insurance company?

Cheap 2010 Volvo S40 insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. Some companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability coverage limits and learned later that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best price.

You just read a lot of information how to compare insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a small local company.

More detailed insurance information can be read in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 Volvo S40 Insurance Rates by City
City Premium
New York City, NY $1,782
Los Angeles, CA $1,926
Philadelphia, PA $1,506
Jacksonville, FL $1,636
Phoenix, AZ $1,308
Chicago, IL $1,512
Houston, TX $1,763
Seattle, WA $1,099
Columbus, OH $939
Indianapolis, IN $956

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Volvo S40 Insurance Rates by Driver Age
Driver Age Premium
16 $4,450
20 $2,586
30 $1,154
40 $1,126
50 $1,032
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

2010 Volvo S40 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,342
$250 $1,244
$500 $1,126
$1,000 $1,014

Full coverage, driver age 40

Rates by Liability Limit

Volvo S40 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,126
50/100 $1,221
100/300 $1,339
250/500 $1,647
100 CSL $1,268
300 CSL $1,529
500 CSL $1,719

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Volvo S40 Insurance Rates for High Risk Drivers
Age Premium
16 $6,296
20 $4,126
30 $2,462
40 $2,432
50 $2,326
60 $2,302

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $456
Rate after discounts $670

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

Find companies with the cheapest rates in your area

2010 Volvo S40 Insurance Rates by State
State Premium
Alabama $1,018
Alaska $864
Arizona $934
Arkansas $1,126
California $1,284
Colorado $1,076
Connecticut $1,158
Delaware $1,274
Florida $1,410
Georgia $1,038
Hawaii $808
Idaho $760
Illinois $840
Indiana $846
Iowa $760
Kansas $1,072
Kentucky $1,536
Louisiana $1,666
Maine $694
Maryland $926
Massachusetts $902
Michigan $1,956
Minnesota $942
Mississippi $1,348
Missouri $1,000
Montana $1,210
Nebraska $888
Nevada $1,350
New Hampshire $810
New Jersey $1,258
New Mexico $998
New York $1,188
North Carolina $648
North Dakota $922
Ohio $776
Oklahoma $1,158
Oregon $1,030
Pennsylvania $1,076
Rhode Island $1,502
South Carolina $1,020
South Dakota $950
Tennessee $986
Texas $1,356
Utah $834
Vermont $772
Virginia $674
Washington $872
West Virginia $1,030
Wisconsin $780
Wyoming $1,004

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