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2012 Volvo S80 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: Jun 12, 2015

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Average insurance rates for a 2012 Volvo S80 are $1,344 a year for full coverage insurance. Comprehensive insurance costs around $260 a year, collision costs $466, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,914 or more. Teen drivers receive the highest rates at $5,134 a year or more.

Annual premium for full coverage: $1,344

Rate estimates for 2012 Volvo S80 Insurance

Comprehensive $260
Collision $466
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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

For a middle-aged driver, prices range go from as low as $510 for only liability insurance to a high of $2,914 for a high risk driver.

Liability Only $510
Full Coverage $1,344
High Risk $2,914

View Chart as Image

2012 Volvo S80 insurance rates compared
Column chart showing 2012 Volvo S80 insurance prices range from $778 to $5,134 for full coverage

These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, rather than using 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 2012 Volvo S80 Insurance

Searching Companies

Trying to find lower auto insurance rates for your Volvo S80? Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Online insurance companies like Allstate and Progressive constantly bombard you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

Pay less by taking advantage of discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Most are applied when you get a quote, but a few must be specifically requested in order for you to get them.

  • Memberships – Participating in a professional or civic organization may earn a discount when shopping for insurance coverage on S80 insurance.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on S80 insurance than drivers with accidents.
  • Multi-policy Discount – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • No Claims – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Senior Citizens – Older drivers may qualify for better insurance coverage rates on S80 insurance.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Defensive Driver – Completing a driver safety course could save 5% or more depending on where you live.

Consumers should know that some credits don’t apply the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will help reduce the cost of coverage.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each company which discounts they offer. Savings might not apply everywhere.

Pieces of the Volvo S80 insurance rate puzzle

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance coverage. When you know what positively or negatively influences your rates enables informed choices that can help you get big savings.

  • Better credit scores mean better rates – A driver’s credit score is a important factor in your rate calculation. People with high credit ratings tend to be more responsible as compared to drivers with poor credit. So if your credit history is low, you could pay less to insure your 2012 Volvo S80 by improving your credit score.
  • No coverage gaps is important – Letting your insurance expire will be a fast way to pay more for insurance coverage. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower miles equals lower premium – The more miles you rack up on your Volvo in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Autos that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your insurance coverage policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your S80 may be wasting your money.
  • Better crash test results mean better rates – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Volvo S80 has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the ISO rating for a 2012 Volvo S80?
  • How much can I save by bundling my policies?
  • Am I missing any policy discounts?
  • Am I covered when delivering products for my home-based business?
  • Does my car insurance cover rental cars?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Don’t believe everything you hear

Insurance coverage companies such as State Farm and Allstate constantly bombard you with television and radio advertisements. They all seem to make the same claim about savings if you switch your policy. But how can every company make almost identical claims?

All the different companies can use profiling for the type of customer that makes them money. A good example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for this ideal profile will be charged higher rates which leads to the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can state the savings.

That is why drivers should get as many comparisons as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Volvo S80 insurance rates.

Auto insurance coverages

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Liability coverage

Liability insurance will cover damage that occurs to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair costs for stationary objects, medical expenses, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volvo S80.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, vandalism, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses such as rehabilitation expenses, ambulance fees, dental work, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Affordable insurance is out there

Discount 2012 Volvo S80 insurance can be bought both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide online price quotes and these smaller companies work with independent agents.

You just learned a lot of ways to compare insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. Some small companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest price.

Other learning opportunities

Rates by U.S. City

2012 Volvo S80 Insurance Rates by City
City Premium
New York City, NY $2,124
Los Angeles, CA $2,295
Philadelphia, PA $1,795
Jacksonville, FL $1,949
Phoenix, AZ $1,562
Chicago, IL $1,800
Houston, TX $2,106
Seattle, WA $1,308
Columbus, OH $1,123
Indianapolis, IN $1,141

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Volvo S80 Insurance Rates by Driver Age
Driver Age Premium
16 $5,134
20 $3,104
30 $1,392
40 $1,344
50 $1,228
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

2012 Volvo S80 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,514
$500 $1,344
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Volvo S80 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,344
50/100 $1,436
100/300 $1,551
250/500 $1,850
100 CSL $1,482
300 CSL $1,735
500 CSL $1,919

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Volvo S80 Insurance Rates for High Risk Drivers
Age Premium
16 $7,308
20 $4,948
30 $2,970
40 $2,914
50 $2,784
60 $2,760

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $65
Online Quote $95
Total Discounts $566
Rate after discounts $778

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

Find companies with the cheapest rates in your area

2012 Volvo S80 Insurance Rates by State
State Premium
Alabama $1,214
Alaska $1,030
Arizona $1,116
Arkansas $1,344
California $1,530
Colorado $1,284
Connecticut $1,382
Delaware $1,520
Florida $1,680
Georgia $1,240
Hawaii $964
Idaho $908
Illinois $1,000
Indiana $1,010
Iowa $906
Kansas $1,276
Kentucky $1,832
Louisiana $1,988
Maine $828
Maryland $1,108
Massachusetts $1,076
Michigan $2,334
Minnesota $1,126
Mississippi $1,608
Missouri $1,190
Montana $1,444
Nebraska $1,058
Nevada $1,612
New Hampshire $970
New Jersey $1,502
New Mexico $1,190
New York $1,416
North Carolina $774
North Dakota $1,098
Ohio $928
Oklahoma $1,380
Oregon $1,230
Pennsylvania $1,282
Rhode Island $1,792
South Carolina $1,218
South Dakota $1,134
Tennessee $1,176
Texas $1,620
Utah $994
Vermont $920
Virginia $804
Washington $1,038
West Virginia $1,230
Wisconsin $930
Wyoming $1,198

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