Cheap Insurance for a Volvo S80 in San Antonio

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Discount Volvo S80 insuranceHow many times have you told yourself it's time to shop around for lower-priced Volvo S80 insurance in San Antonio? Searching for the lowest price San Antonio Volvo S80 insurance quotes can seem to be rather difficult for consumers new to online price comparisons. With such a large choice of insurers to choose from, how can anyone have a chance to compare every one to find cheaper car insurance prices?

Smart shoppers know that car insurance companies want to keep your business as long as possible. Insureds who compare other prices are very likely to buy a new policy because there is a good chance of finding coverage at a more affordable price. Remarkably, a study showed that people who shopped around annually saved over $3,450 over four years as compared to drivers who never compared prices.

If finding low prices for car insurance is your target objective, then having a grasp of how to get rate quotes and compare cheaper coverage can help make the process easier.

It is always a good idea to do price comparisons yearly because rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on Volvo S80 insurance in San Antonio a few years ago you may be paying too much now. You can find a lot of information about S80 insurance on the web, but in a few minutes you can learn some proven techniques to lower your car insurance bill.

When quoting car insurance, remember that comparing more rates from different companies will increase your chances of finding the best price. Some smaller insurers do not give price estimates online, so it's necessary to compare quotes from the smaller companies as well.

The companies in the list below are ready to provide free rate quotes in Texas. If more than one company is shown, we suggest you visit as many as you can to get a more complete price comparison.

Rates and detailed analysis

The coverage information below showcases a range of prices for Volvo S80 models. Having a better idea how auto insurance prices are formulated can help guide drivers when making informed decisions when comparing rates.

Volvo S80 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $334 $668 $514 $30 $154 $1,700 $142
S80 T6 AWD $334 $668 $514 $30 $154 $1,700 $142
S80 Executive AWD $334 $756 $514 $30 $154 $1,788 $149
S80 V8 AWD $368 $756 $514 $30 $154 $1,822 $152
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can alter coverage rates considerably.

Physical damage deductibles

When buying insurance, a common question is how high or low should comp and collision deductibles be. The following tables help summarize the costs and benefits between high and low physical damage coverage deductibles. The first table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Volvo S80 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $412 $804 $382 $22 $114 $1,759 $147
S80 T6 AWD $412 $804 $382 $22 $114 $1,759 $147
S80 Executive AWD $412 $908 $382 $22 $114 $1,863 $155
S80 V8 AWD $454 $908 $382 $22 $114 $1,905 $159
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Volvo S80 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $300 $542 $382 $22 $114 $1,360 $113
S80 T6 AWD $300 $542 $382 $22 $114 $1,360 $113
S80 Executive AWD $300 $614 $382 $22 $114 $1,432 $119
S80 V8 AWD $332 $614 $382 $22 $114 $1,464 $122
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific location information which can modify coverage prices considerably.

Based on the above data, using a $100 deductible will cost in the ballpark of $35 more each month or $420 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 11 months between claims, you would probably come out ahead if you choose a higher deductible.

Insurance in Texas serves several purposes

Despite the high cost, buying insurance may be required and benefits you in several ways.

First, just about all states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a lienholder, it's guaranteed your bank will require you to carry insurance to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Volvo at an extremely high rate and require you to fork over for the expensive policy.

Third, insurance protects both your Volvo S80 and your assets. It will also cover all forms of medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car definitely exceed the price paid, particularly for liability claims. On average, a vehicle owner in San Antonio is overpaying more than $869 every year so compare rate quotes at least once a year to help ensure money is not being wasted.

You Can Change Your Insurance Prices

Lots of things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your marital status or how safe your car is.

Guys pay more for insurance coverage - Statistics have proven females are less aggressive when driving. However, don't assume that males are worse at driving than females. Women and men are responsible for auto accidents in similar numbers, but guys have accidents that have higher claims. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.

The illustration below shows the comparison of Volvo S80 insurance prices for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are factored in.

Discounts for multiple policies - The majority of companies apply better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still check prices from other companies to help guarantee you have the best rates.

No auto insurance gaps is important - Driving with no insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage could earn you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department to get your license reinstated.

High physical damage deductibles cost less - Physical damage coverage, aka comp and collision, covers your vehicle from damage. Examples of covered claims are a dented fender, hail damage, and burglary. Deductibles for physical damage define how much you are willing to pay if a claim is determined to be covered. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.

Lower auto insurance rates with GPS tracking and theft deterrents - Buying a car that has a built-in theft deterrent system can save you some money. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

How much liability insurance - Your auto insurance policy's liability coverage will protect you if you are responsible for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so buy as much as you can afford.

Get hitched and pay lower costs - Being married may cut your premiums on your policy. Having a spouse means you're more mature and it's proven that married drivers get in fewer accidents.

Keep the miles off and save - The more miles you rack up on your Volvo every year the more you'll pay to insure your vehicle. Many insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage cost less to insure than vehicles that are driven to work every day. It's always a good idea to double check that your auto insurance policy states how each vehicle is driven, because improper ratings can cost you money. Improper usage on your S80 may be costing you higher rates.

Insurance losses for a Volvo S80 - Insurance companies analyze claim trends for every vehicle to calculate a price that offsets possible losses. Models that the statistics show to have a trend towards higher claim severity or frequency will cost more to insure. The next table illustrates the insurance loss data used by companies for Volvo S80 vehicles.

For each policy coverage, the claim amount for all vehicles compiled together is equal to 100. Values that are under 100 suggest a positive loss record, while values that are above 100 indicate frequent claims or an increased chance of larger losses than average.

Auto Insurance Loss Data for Volvo S80 Models
Specific Volvo Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volvo S80 4dr 2WD 82
Volvo S80 4dr 4WD 93
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When to get professional advice

Always remember that when buying coverage for your personal vehicles, there really isn't a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect thatInsurance savings These are some specific questions might help in determining whether you might need an agent's assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Is there coverage for my trailer?
  • When can my company non-renew my policy?
  • If my Volvo S80 is totaled, can I afford another vehicle?
  • How can I get the company to pay a claim?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my car?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

A conclusion for your car insurance search

When you buy San Antonio car insurance online, it's a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits to discover at claim time they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost.

The cheapest Volvo S80 insurance in San Antonio is definitely available from both online companies in addition to local insurance agencies, so get free San Antonio car insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have the ability to get quotes online and many times these small insurance companies provide coverage only through local independent agents.

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