2011 Volvo S40 Insurance Rates
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UPDATED: Dec 9, 2021
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Average insurance rates for a 2011 Volvo S40 are $1,164 a year including full coverage. Comprehensive costs approximately $210 a year, collision insurance costs $322, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,514. Teenage drivers receive the highest rates at up to $4,564 a year.
Annual premium for full coverage: $1,164
Rate estimates for 2011 Volvo S40 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 middle-aged driver, prices range range from as low as $522 for only liability insurance to a high of $2,514 for a high risk driver.
These differences highlight why it is important for drivers to compare prices using their specific location and risk profile, rather than using average rates.
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 2011 Volvo S40 Insurance
Overpriced Volvo S40 insurance can empty your checking account and put a big crunch on your finances. Doing a price comparison is a great way to tighten up your finances.
Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest cost out there.
If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates is not rocket science. Although drivers must know how the larger insurance companies sell online.
Insurance Prices Online
Most companies like Progressive, GEICO, Allstate and State Farm allow you to get pricing online. Obtaining pricing is pretty easy as you just type in your coverage information as requested by the quote form. After you complete the form, their rating system gets reports for credit and driving violations and returns a price determined by many factors. Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to do this if you want to find better prices.
There is an easier way!
The easiest way to locate the lowest prices uses one simple form that analyzes rates from many companies. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. After your information is entered, your coverage is rated with multiple companies and you can pick your choice of the returned quotes.
If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.
To quickly compare pricing, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you type in coverages and limits identical to your current policy. This makes sure you will be getting a rate comparison based on the exact same insurance coverage.
Car insurance providers like Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all make an identical promise that you’ll save big if you change your coverage to them. But how can every company say the same thing? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of customer that is profitable for them. An example of a preferred risk might be profiled as over the age of 40, has no prior claims, and has great credit. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who don’t measure up to this ideal profile will be quoted a higher premium which leads to business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully advertise the savings.
This emphasizes why you absolutely need to get a wide range of price quotes. It’s impossible to know which car insurance company will fit your personal profile best.
Get lower rates on 2011 Volvo S40 insurance
Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some may not be applied and must be asked about before you will receive the discount.
- Homeowners Discount – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for S40 insurance than their less cautious counterparts.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% for S40 insurance depending on your company.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
- No Accidents – Claim-free drivers pay less as compared to bad drivers.
- Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But any discount will reduce your premiums.
A partial list of companies that may have these benefits include:
- State Farm
- Liberty Mutual
- Auto-Owners Insurance
Double check with each company how you can save money. All car insurance discounts may not be available in your state.
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Tailor your coverage to you
When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight if you would benefit from an agent’s advice.
- Does car insurance cover theft of personal property?
- Is my state a no-fault state?
- Am I covered when delivering products for my home-based business?
- When would I need additional glass coverage?
- How high should deductibles be on a 2011 Volvo S40?
- Does my 2011 Volvo S40 qualify for pleasure use?
- When should my teen driver be added to my policy?
- How can I force my company to pay a claim?
Coverages available on your policy
Knowing the specifics of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.
Liability auto insurance
Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, legal defense fees and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
Coverage for medical payments
Coverage for medical payments and/or PIP reimburse you for expenses such as hospital visits, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for collisions
Collision insurance will pay to fix damage to your S40 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like backing into a parked car, hitting a parking meter, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Uninsured and underinsured coverage
This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volvo S40.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a bird, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time 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.
Coverage on a shoestring budget
In this article, we presented many ideas to compare 2011 Volvo S40 insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small mutual company. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.
Discount insurance is possible online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
While you’re price shopping online, never skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
- Keeping Children Safe in Crashes Video (iihs.org)
- Coverage Information (Progressive Insurance)
- Understanding your Policy (NAIC.org)
- Insuring a Leased Car (Insurance Information Insitute)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,842|
|Los Angeles, CA||$1,992|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$77|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.