It’s a known fact that auto insurance companies want to keep your business as long as possible. Insureds who get comparison quotes at least once a year are likely to buy a different policy because there is a high probability of finding discount prices. A study discovered that drivers who compared rates regularly saved over $860 a year compared to policyholders who never shopped around for cheaper prices.
If finding budget-friendly Volvo S80 insurance is your objective, then learning a little about how to find companies and compare coverage rates can save money and time.
The recommended way to find lower priced Volvo S80 insurance is to start comparing rates regularly from insurance carriers who sell auto insurance in Pittsburgh. Price quotes can be compared by completing these steps.
- First, spend a few minutes and learn about how car insurance works and the things you can change to keep rates down. Many rating factors that result in higher prices like speeding and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
- Third, compare the price quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give notification to your agent or company to cancel your existing policy. Submit a signed application and payment for the new coverage. As soon as coverage is bound, keep the new proof of insurance paperwork somewhere easily accessible.
One thing to point out is to try to compare identical coverage information on every quote request and and to get rate quotes from as many auto insurance providers as possible. This provides an apples-to-apples comparison and a good representation of prices.
If you already have coverage or just want cheaper rates, you can use these techniques to save money without reducing protection. Locating the best rates in Pittsburgh is actually not that difficult if you follow our advice. Smart shoppers just have to learn the tricks to shop for insurance using one simple form.
Companies offering low-cost Volvo S80 rates in Pittsburgh, PA
The companies in the list below offer free rate quotes in Pennsylvania. In order to find the cheapest car insurance in PA, we suggest you get rates from several of them to get the most affordable price.
Auto insurance analysis for a Volvo S80
The table displayed below outlines estimates of policy rates for Volvo S80 models. Learning more about how insurance policy premiums are established can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $246 | $482 | $310 | $18 | $92 | $1,148 | $96 |
| S80 T6 AWD | $246 | $482 | $310 | $18 | $92 | $1,148 | $96 |
| S80 Executive AWD | $246 | $546 | $310 | $18 | $92 | $1,212 | $101 |
| S80 V8 AWD | $272 | $546 | $310 | $18 | $92 | $1,238 | $103 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in garaging location in Pittsburgh which can influence premiums greatly.
The illustration below illustrates how choosing a deductible and can raise or lower Volvo S80 insurance costs for different age groups. Data assumes a single female driver, full coverage, and no discounts are applied.
Insurance rate increases from tickets or accidents
The illustration below highlights how speeding tickets and at-fault accidents can impact Volvo S80 insurance costs for different age groups. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Liability only or full coverage
The illustration below illustrates the difference between Volvo S80 auto insurance rates with full physical damage coverage and with liability coverage only. The rates are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are applied.
When to stop paying for full coverage
There is no clear-cut rule for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Volvo S80 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Get cheaper Volvo S80 insurance rates in Pittsburgh
Auto insurance companies don’t necessarily list every available discount very well, so below is a list some of the more common as well as the least known ways to save on insurance. If you are not receiving all the discounts you qualify for, you are just wasting money.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Early Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
- Buy New and Save – Insuring a new S80 can get you a discount since new vehicles have better safety ratings.
- Use Seat Belts – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last until age 25.
One last thing about discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn’t work that way.
The example below visualizes the comparison of Volvo S80 annual premium costs with and without policy discounts. Data assumes a male driver, no claims or driving citations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, multi-car, and marriage discounts applied.
Popular insurance companies and some of their more popular discounts can be read below.
- GEICO discounts include five-year accident-free, emergency military deployment, good student, defensive driver, and anti-lock brakes.
- Travelers may include discounts for hybrid/electric vehicle, save driver, good student, new car, student away at school, driver training, and home ownership.
- Farm Bureau has savings for multi-policy, safe driver, good student, youthful driver, and multi-vehicle.
- Liberty Mutual includes discounts for good student, newly married, multi-policy, safety features, and new move discount.
- American Family offers premium reductions for good student, Steer into Savings, defensive driver, bundled insurance, air bags, multi-vehicle, and mySafetyValet.
- Progressive policyholders can earn discounts including online signing, homeowner, good student, online quote discount, and multi-policy.
If you need lower rates, check with every company to give you their best rates. All car insurance discounts may not apply in Pittsburgh. To see providers who offer free Volvo S80 insurance quotes in Pennsylvania, click here to view.
Compare rate quotes but work with a local neighborhood Pittsburgh car insurance agent
Some people prefer to buy from a local agent and that is not a bad decision Licensed agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing insurance prices online is that drivers can save money and get cheap car insurance quotes and also buy local. And providing support for neighborhood insurance agencies is still important in Pittsburgh.
To find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to agents in your area that give free quotes for your coverage. It’s much easier because you don’t need to leave your computer because quoted prices will be sent to you. If you have a need to compare prices from a specific car insurance provider, don’t hesitate to jump over to their website and submit a quote form there.
Listed below are Pittsburgh auto insurance companies that may be able to provide comparison quotes for Volvo S80 insurance in Pittsburgh.
David Masters – State Farm Insurance Agent
1900 Murray Ave – Pittsburgh, PA 15217 – (412) 422-1616 – View Map
Ron Dunn Insurance Agency, LLC
124 Ingram Ave – Pittsburgh, PA 15205 – (412) 922-1126 – View Map
Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map
Finding a good company should include more criteria than just a cheap price. Here are some questions you should ask.
- How much will you save each year by using a higher deductible?
- Do they reduce claim amounts on high mileage vehicles?
- What is the agency’s Better Business Bureau rating?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they offer rental car reimbursement?
Best auto insurance company in Pennsylvania
Picking a highly-rated car insurance company can be challenging considering how many companies there are in Pittsburgh. The ranking data listed below can help you select which companies you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Cheaper insurance premiums are possible
Discount Volvo S80 insurance in Pittsburgh can be purchased on the web in addition to many Pittsburgh insurance agents, and you should be comparing both to have the best selection. A few companies may not have rates over the internet and many times these smaller providers work with independent agencies.
When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.
Additional insurance information can be found on the following sites:
- Smart Auto Insurance Tips (Insurance Information Institute)
- How Much is Auto Insurance for Infrequent Drivers in Pittsburgh? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Child Safety Seats (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)
- Auto Theft Statistics (Insurance Information Institute)