Car Insurance Rates for a Volvo S40 in Phoenix

Expensive auto insurance in Phoenix can draw down your checking account and make it hard to pay other bills.

Insurance quote for Volvo S40 in PhoenixA recent NerdWallet.com study revealed that nearly 70% of customers have stayed with the same insurance company for over three years, and almost half have never quoted rates to find affordable coverage. The average driver in Arizona could save up to 50% each year, but most tend to underestimate the amount of savings they would get if they replace their high priced policy.

Due to the abundance of auto insurance companies to choose from, it can be impossible to find a lower cost insurance company.

It is always a good idea to take a look at other company’s rates once or twice a year since rates tend to go up over time. If you had the best rate on Volvo S40 insurance in Phoenix a couple years back you can probably find a lower rate today. There is a lot of bad information regarding S40 insurance on the internet, but in just a couple of minutes you can learn some proven techniques to save money.

Companies offering Volvo S40 insurance in Phoenix

The providers in the list below provide price comparisons in Phoenix, AZ. If multiple providers are shown, we suggest you get rate quotes from several of them to find the most competitive car insurance rates.


Volvo S40 Insurance Cost Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S40 2.4I $166 $316 $288 $18 $86 $874 $73
S40 T5 $212 $370 $300 $18 $90 $990 $83
S40 T5 AWD R-Design $204 $390 $288 $18 $86 $986 $82
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in vehicle garaging location which can influence premiums significantly.

Gender-based auto insurance rates

The information below compares Volvo S40 annual premium costs for male and female drivers. The price estimates are based on no claims or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Impact of speeding/accidents on Phoenix auto insurance rates

The illustration below illustrates how violations and at-fault collisions influence Volvo S40 insurance costs for different age categories. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Companies offer many types of discounts on Volvo S40 insurance in Phoenix

Auto insurance companies do not advertise the complete list of policy discounts very well, so the below list has both well-publicized and also the lesser-known discounts that you can inquire about if you buy Phoenix car insurance online. If you aren’t receiving every discount possible, you may be paying too high a price.Car insurance discounts

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, you’re out of luck.

Some of the larger companies that may offer policyholders many of the previously listed discounts are:

Before buying, ask all the companies how many discounts you can get. A few discounts might not apply in Phoenix. To find providers with discount rates in Arizona, click here to view.

Informed Drivers Save on Insurance

The best way to find cheaper insurance is to take a look at a few of the rating criteria that are used to determine the level of your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that could help you find cheaper rates.

Local Phoenix insurance agencies and car insurance

Many drivers would rather buy from a local agent and that is a personal choice. An additional benefit of getting online price quotes is the fact that drivers can get cheap car insurance quotes and still choose a local agent. Buying from and supporting local agencies is important especially in Phoenix.

Insurance agents in PhoenixOnce you complete this quick form, the quote information gets sent to companies in Phoenix who want to provide quotes for your coverage. It’s much easier because you don’t need to find an agent on your own due to the fact that quote results will go directly to you. You can find the lowest rates and a licensed agent to work with. In the event you want to get a rate quote from a specific car insurance provider, you just need to find their quoting web page to submit a rate quote request.

If you would like to find a local Phoenix insurance agent, there are two types of insurance agents to choose from. Insurance agencies in Phoenix can be described as either exclusive agents or independent agents.

Independent Agents

Agents that choose to be independent are not restricted to one company so they have the ability to put coverage with many different companies and get you the best rates possible. If they find a lower price, your agent can just switch to a different company and you stay with the same agent.

When comparing car insurance rates, we recommend you include price quotes from at least one independent agent to get the most accurate price comparison.

The following is a small list of independent agencies in Phoenix that may be able to give price quote information.


5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map


3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map


4411 N 19th AvePhoenix, AZ 85015(800) 972-1893View Map

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Exclusive Agents

Agents in the exclusive channel can usually just insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents are highly trained on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive agents in Phoenix that can give you rate quotes.


3540 E Baseline Rd #115Phoenix, AZ 85042(602) 243-9209View Map


4731 N Central AvePhoenix, AZ 85012(602) 995-9334View Map

Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120Phoenix, AZ 85037(623) 848-3048View Map

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Choosing an insurance agency should include more criteria than just a cheap price. These are some questions you should get answers to.

Cover all your bases

We just presented a lot of techniques to save on Volvo S40 insurance in Phoenix. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best premium rates are with a smaller regional carrier. These companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

When searching for low cost Phoenix car insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to find out 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 cost, not the least amount of coverage.

More detailed auto insurance information can be read by following these links: