Volvo S80 Insurance Quotes in Phoenix

Insurance for Volvo S80Trying to find better insurance prices for a Volvo S80 in Arizona can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to compare insurance rates and you need to know the absolute fastest way to get price quotes for a Volvo and get the lowest price.

Finding and buying the best auto insurance coverage in Phoenix is not as difficult as people think. If you are insured now or just want cheaper rates, use these money-saving tips to get lower rates while maintaining coverages. Consumers just need to know the proper methods to compare rates online.

The following companies are our best choices to provide price comparisons in Arizona. If multiple companies are shown, it’s a good idea that you visit several of them to find the lowest car insurance rates.

Volvo S80 Insurance Cost Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $172 $376 $390 $24 $116 $1,078 $90
S80 T6 AWD $324 $652 $404 $24 $122 $1,526 $127
S80 Executive AWD $204 $474 $314 $18 $94 $1,104 $92
S80 V8 AWD $308 $700 $338 $20 $102 $1,468 $122
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific location information which can lower or raise auto insurance rates substantially.

Do you need full coverage?

The information below visualizes the comparison of Volvo S80 insurance premiums when comparing full coverage to state minimum liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, married female driver, and no additional discounts are factored in.

Should you pay for full coverage?

There isn’t a steadfast formula that works best for making the decision to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Volvo S80 settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your deductible. If it’s costing in excess of $300 annually to have full coverage, then you might consider buying liability only.

There are some circumstances where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.

Auto insurance premiums by gender

The illustration below illustrates the comparison of Volvo S80 car insurance rates for male and female drivers. The information is based on no accidents or driving violations, comp and collision included, $500 deductibles, drivers are not married, and no other discounts are factored in.

Policy deductible comparison

A question often asked by Phoenix drivers is which deductible level should you buy. The rates below may help you to understand the difference in cost when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Volvo S80 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $292 $530 $300 $18 $90 $1,255 $105
S80 T6 AWD $292 $530 $300 $18 $90 $1,255 $105
S80 Executive AWD $292 $600 $300 $18 $90 $1,325 $110
S80 V8 AWD $322 $600 $300 $18 $90 $1,355 $113
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Volvo S80 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $180 $334 $300 $18 $90 $922 $77
S80 T6 AWD $180 $334 $300 $18 $90 $922 $77
S80 Executive AWD $180 $376 $300 $18 $90 $964 $80
S80 V8 AWD $198 $376 $300 $18 $90 $982 $82
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in specific Phoenix garaging location which can influence coverage prices considerably.

Based on the figures above, using a $250 deductible will cost you approximately $29 more each month or $348 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 26 months between claims, you would save more money going with the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): – $79
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Do you qualify for discounts on Volvo S80 insurance in Phoenix?

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Some trigger automatically at the time of quoting, but a few must be specially asked for before they will apply.Cheaper insurance with discounts

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

A few companies that may offer quotes with some of the discounts shown above possibly include:

When getting free Phoenix car insurance quotes, it’s a good idea to each company or agent which discounts they offer. Savings may not be offered everywhere. For a list of insurers that have a full spectrum of discounts in Phoenix, click this link.

Choosing Volvo S80 insurance is an important decision

Even though it’s not necessarily cheap to insure a Volvo in Phoenix, car insurance may be mandatory for several reasons.

The benefits of carrying enough insurance more than offset the price you pay, especially when you need to use it. As of last year, the average driver in Arizona is overpaying over $820 a year so it’s recommended you shop around once a year at a minimum to be sure current rates are still competitive.

Are auto insurance agents of importance?

Many drivers prefer to go talk to an agent and that is just fine! Most agents are very good at helping people manage risk and help submit paperwork. A good thing about getting online price quotes is that you can obtain lower rates and also buy local. And supporting local agencies is still important in Phoenix.

Insurance agents in PhoenixOnce you complete this simple form, your insurance coverage information is emailed to local insurance agents in Phoenix who can give free rate quotes for your insurance coverage. You don’t have to contact any agents since price quotes are sent immediately to you. If you want to compare rates from a specific company, you just need to visit that company’s website and fill out their quote form.

Picking the best provider requires more thought than just a low price. The answers to these questions are important, too.