Volvo S80 Insurance Rates in Austin

Finding cheaper premium rates on Volvo S80 insurance in Austin may be nearly impossible for people new to buying insurance online. There are so many options that it can turn into a challenge to lower your prices on Volvo S80 insurance.

Surprisingly, a recent survey revealed that almost 70% of drivers have remained with the same auto insurance company for a minimum of four years, and just under half have never compared auto insurance rates at all. The average driver in Austin could save $1,770 a year, but they underestimate the benefits if they switch to a new company.

Affordable companies for Volvo S80 insurance

The companies shown below have been selected to offer free quotes in Austin, TX. If more than one company is shown, it’s a good idea that you visit several of them to get the best price comparison.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in Austin location which can modify price quotes considerably.

Rate increases following a ticket or accident

The illustration below demonstrates how traffic citations and at-fault fender-benders can affect Volvo S80 car insurance costs for different insured age categories. The information is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Policy deductibles

One common question asked by Austin drivers is how high should your deductibles be. The rates below illustrate the differences in price between low and high coverage deductibles. The first data table uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence premiums considerably.

Based on the above data, using a $250 deductible will cost you approximately $36 more each month or $432 each year than quoting 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 go at a minimum 21 months between claim filings, you would save money if you decide on a higher deductible.

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. You need some available funds in the event you have to pay more for the deductible.

Cheap Volvo S80 insurance in Austin

Companies don’t always list all possible discounts in an easy-to-find place, so the below list has both well-publicized and also the lesser-known credits available to you.

• Drive Safe and Save – Drivers without accidents can pay as much as 50% less than less cautious drivers.
• Auto/Home Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
• Membership in Organizations – Being in a civic or occupational organization in Austin can get you a small discount on your bill.
• Low Mileage – Low mileage vehicles may enable drivers to earn lower prices due to less chance of an accident.
• Student Driver Training – Have your child enroll and complete driver’s education if it’s offered in school.

Don’t be shocked that many deductions do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

If you would like to choose from a list of insurers with significant discounts in Texas, click here.

Volvo S80 Insurance Costs Can Be Lower

It’s important that you understand some of the factors that help determine your auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make good choices that could help you find much lower annual insurance costs. Many things are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving record, but others are less obvious like your continuous coverage and annual miles driven.

• Extra policy coverages are wasting money – There are a ton of extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Insurance for roadside assistance, death and dismemberment, and motor club memberships are examples of these. They may seem like a good idea at first, but if you’ve never needed them in the past eliminate them to save money.
• Improve your credit history – Having a bad credit history factor in determining what you pay. If your credit history could use some work, you could pay less to insure your Volvo S80 by repairing your credit. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers with bad credit.
• Use but don’t abuse your insurance – If you file a lot of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies in Texas award the best rates to insureds that do not abuse their auto insurance. Auto insurance is intended to be relied upon for the large, substantial claims.
• Vocation reflects on rates – Do you have a high-stress occupation? Jobs such as judges, air traffic controllers, and medical professionals generally pay the highest average rates due to intense work requirements and lots of time spent at work. On the flip side, jobs like professors, students and the unemployed have the lowest average rates.
• Volvo S80 statistical loss data – Companies take into consideration historical loss data for every vehicle when they calculate premium rates for each model. Models that tend to have a trend towards higher claims will have increased rates. The table below demonstrates the insurance loss data used by companies for Volvo S80 vehicles.

  For each policy coverage, the claim probability for all vehicles, as an average, is a value of 100. Numbers under 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or statistically larger claims.

  Auto Insurance Loss Data for Volvo S80 Models

  Make and 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

Different people need different car insurance coverages

When it comes to choosing your policy for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover whether you may require specific advice.

• Is my state a no-fault state?
• Do I need an umbrella policy?
• Do I need motorclub coverage?
• What is UM/UIM insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why do I need rental car insurance?
• How can I get my company to pay me more for my totalled car?
• Does low annual mileage earn a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Get rate quotes but work with a local Austin insurance agency

Certain consumers would prefer to sit down and talk to an agent and doing so can bring peace of mind An additional benefit of getting online price quotes is that you can find cheaper rates and still buy from a local agent.

To help locate an agent, after submitting this short form, your information is submitted to local insurance agents in Austin who can give free rate quotes and help you find cheaper coverage. You never need to find an agent because quoted prices will be sent immediately to your email address. You can find lower rates without having to waste a lot of time. If you need to get a price quote from one company in particular, just visit that company’s website and submit a quote form there.

Choosing an provider requires more thought than just the premium amount. Agents should be asked these questions:

• Can you use your own choice of collision repair facility?
• What company holds the largest book of business for them?
• How much training do they have in personal risk management?
• What is the agency’s Better Business Bureau rating?
• Do clients work directly with the agent or are most inquiries handled by a CSR?

Two different types of car insurance agents

When narrowing the list to find a reliable agent, there are two types of insurance agents and how they function. Agents in Austin are classified as either independent agents or exclusive agents.

Exclusive Auto Insurance Agents

Exclusive insurance agents can only place business with one company like Allstate and State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are trained well on sales techniques which helps offset the inability to provide other markets. Consumers frequently purchase coverage from exclusives mainly due to the brand and the convenience of having all coverages with one company.

Listed below is a short list of exclusive agencies in Austin willing to provide price quotes.

• Bob Jennings – State Farm Insurance Agent
  4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map
• State Farm: Charlie Anderson
  12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231 – View Map
• Larry Evins – State Farm Insurance Agent
  4534 West Gate Blvd #202 – Austin, TX 78745 – (512) 327-0303 – View Map

More insurance agents

Independent Auto Insurance Agents

Agents that elect to be independent are not restricted to one company so they can quote policies through lots of different companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent.

When searching for an agent, we recommend you get several quotes from several independent insurance agents for the best price selection. Most can insure with companies that do not advertise much that may provide cheaper auto insurance rates.

Listed below is a list of independent agencies in Austin that are able to give price quote information.

• Nationwide Insurance: James Gary Howe
  3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map
• Nationwide Insurance: Bill Russell Insurance Agency Inc
  9015 Mountain Ridge Dr #350 – Austin, TX 78759 – (512) 343-1106 – View Map
• Independent Insurance Agents
  1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map

More insurance agents

You can find affordable coverage

Cheaper car insurance in Austin is attainable online in addition to many Austin insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not offer online quoting and most of the time these small insurance companies only sell through independent insurance agents.

We covered some good ideas how to shop for Volvo S80 insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Drivers may even discover the best auto insurance rates are with an unexpected company.

Insureds switch companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, poor customer service or even questionable increases in premium. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

For more information, take a look at these articles:

• Teen Driver Licensing Information (iihs.org)
• What Auto Insurance is Cheapest for College Students in Austin? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Austin? (FAQ)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)