2011 Volvo S80 Insurance Rates

Average insurance rates for a 2011 Volvo S80 are $1,308 a year with full coverage. Comprehensive insurance costs on average $250, collision insurance costs $436, and liability coverage costs $464. Buying a liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,840 or more. Teen drivers receive the highest rates at up to $5,028 a year.

Annual premium for full coverage: $1,308

Rate estimates for 2011 Volvo S80 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Volvo S80 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

View Chart as Image

These differences demonstrate why everyone should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Having to pay for overpriced Volvo S80 insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to lower your monthly bill. Insurance companies such as Allstate, Progressive and GEICO persitently shower you with advertising and consumers find it hard to see past the geckos and flying pigs and find the best price available.

If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to know the most effective way to get comparison quotes online.

Cut your insurance coverage rates with these five discounts

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but less common discounts must be asked for before you will receive the discount. If you’re not getting every credit you deserve, you are paying more than you should be.

• Club Memberships – Participating in certain professional organizations could qualify you for a break on your policy on S80 insurance.
• Driver Safety – Taking a driver safety course could save 5% or more if you qualify.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will reduce your premiums.

To see a list of companies who offer insurance coverage discounts, follow this link.

You are unique and your insurance coverage should be too

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• Is my ex-spouse still covered by my policy?
• Can my teen driver be rated on a liability-only vehicle?
• When should I not file a claim?
• Can I still get insurance after a DUI?
• Why do I need rental car insurance?
• How high should my uninsured/underinsured coverage be in my state?
• If my pet gets injured in an accident are they covered?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, rock chips in glass, damage from a tornado or hurricane, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like structural damage, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, EMT expenses, X-ray expenses and pain medications. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance covers damage to your S80 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

One last thing about your coverage

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability coverage limits only to regret that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find for the lowest price.

The cheapest 2011 Volvo S80 insurance is definitely available both online and with local insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Much more information about auto insurance can be found at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Senior Drivers (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Electronic Stability Control FAQ (iihs.org)