Cheap Quotes for Volvo S80 Insurance in Las Vegas

Are you doing reasearch to find low-cost insurance rates in Las Vegas, NV? Las Vegas buyers have lots of choices when searching for low-cost Volvo S80 insurance. You can either waste hours contacting agents to compare prices or save time using the internet to find the lowest rates. There are more efficient ways to buy insurance so we’re going to tell you the quickest way to price shop coverage for your Volvo and locate the cheapest rates from both online companies and Las Vegas agents.

Smart consumers take time to do price comparisons on a regular basis because prices fluctuate regularly. Even if you got the lowest rate on Volvo S80 insurance in Las Vegas six months ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the easiest way to find better coverage on Volvo S80 insurance in Las Vegas at a better price.

Low Cost Volvo insurance rate quotes in Las Vegas

The companies shown below have been selected to offer price comparisons in Las Vegas, NV. If your goal is to find the best cheap auto insurance in NV, it’s a good idea that you get rate quotes from several of them to get the most competitive price.

Coverage statistics and figures

The premium table shown next showcases a range of insurance coverage prices for Volvo S80 models. Understanding how insurance premiums are formulated can aid in making smart choices when purchasing an auto insurance policy.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can influence premiums significantly.

Deductible analysis

When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The following tables may help you to understand the differences in price of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific zip code location which can affect rates substantially.

Based on this data, using a $250 deductible will cost you about $30 more each month or $360 each year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claims, you would save money by going with a higher deductible.

Gender differences in insurance premiums

The illustration below shows the difference between Volvo S80 car insurance rates for male and female drivers. The price estimates are based on no violations or claims, comp and collision included, $1,000 deductibles, single marital status, and no policy discounts are applied.

Price comparison of only insuring for liability

The example below compares Volvo S80 insurance premiums with full physical damage coverage and with liability coverage only. The data assumes no accidents or driving violations, $250 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision

There isn’t a written rule to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Volvo S80 replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the deductible is paid. If it’s costing you more than $500 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there could be significant discounts to help offset the cost. Some of these discounts will be visible when you complete an application, but some may not be applied and must be asked for before you get the savings.

• Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction depending on your company.
• ABS Brakes – Cars with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Telematics Discount – Policyholders that allow driving data submission to spy on driving manner by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
• Discount for Home Ownership – Owning a home in Las Vegas can earn you a little savings because it demonstrates responsibility.
• College Student – College-age children who are attending college and won’t have access to an insured vehicle could get you a discount.
• Early Renewal Discounts – Select car insurance companies give a discount for switching companies before your current S80 insurance policy expires. It can save you around 10%.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

The diagram below shows the difference between Volvo S80 annual premium costs with and without policy discounts. The premiums are based on a male driver, no accidents, no driving violations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, multi-car, and homeowner discounts applied.

A list of companies and their possible discounts are included below.

• State Farm has discounts for student away at school, accident-free, passive restraint, driver’s education, anti-theft, and good driver.
• GEICO may have discounts that include federal employee, daytime running lights, seat belt use, driver training, air bags, and membership and employees.
• Liberty Mutual may include discounts for new move discount, multi-policy, preferred payment discount, hybrid vehicle, and teen driver discount.
• The Hartford policyholders can earn discounts including driver training, vehicle fuel type, bundle, anti-theft, and air bag.
• MetLife may offer discounts for accident-free, good student, defensive driver, good driver, multi-policy, claim-free
• Progressive includes discounts for multi-vehicle, continuous coverage, online signing, homeowner, multi-policy, good student, and online quote discount.

It’s a good idea to ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts may not be available in Las Vegas. To choose providers that have a full spectrum of discounts in Nevada, click here.

What Determines Volvo S80 Insurance Premiums?

An important part of buying insurance is that you know some of the elements that help calculate your auto insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that could help you find cheaper rates.

• Your car’s features help determine auto insurance rates – Buying a car with a theft deterrent system can save you a little every year. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
• Liability coverage claims can be big – Liability coverage kicks in when you are determined to be liable for personal injury or accident damage. Liability provides for a legal defense which can cost a lot. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Stress out and pay more – Occupations like judges, architects, and financial analysts tend to pay the highest rates due to intense work-related stress and incredibly demanding work hours. Conversely, jobs like professors, historians and homemakers get better rates.
• Low deductibles mean high rates – Comprehensive and collision coverage deductibles are how much you are required to pay before a claim is paid by your company. Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, damage caused by hail, and having a roll-over accident. The larger the amount you pay before a claim is paid (deductible), the bigger discount you will receive.

• Careless drivers pay higher prices – Having just one chargeable violation may cause rates to rise by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who have gotten serious citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to complete a SR-22 with their state DMV in order to continue driving.

  The information below highlights how traffic violations and accident claims can increase Volvo S80 insurance prices for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

• Volvo S80 statistical loss data – Insurance companies study historical loss data to help determine rates. Vehicles that historically have increased claim numbers or amounts will have higher premium rates. The table below outlines the collected loss data for Volvo S80 vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles, as an average, is represented as 100. Percentage numbers below 100 suggest a positive loss record, while values over 100 indicate frequent claims or an increased probability of a larger loss.

  
  

  Volvo S80 Insurance Loss Statistics

  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
  Statistics from IIHS.org for 2013-2015 Model Years

When do I need to get advice from an agent?

A small number of people prefer to go talk to an agent and there is nothing wrong with that. Most agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing rates online is that you can find the lowest rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to agents in your area who will return price quotes for your coverage. There is no reason to contact any insurance agencies because quoted prices will be sent to you directly. If you want to compare rates from a specific insurance provider, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Selecting an provider is decision based upon more than just a cheap quote. Here are some questions you might want to ask.

• How does the company pay claims for a total loss?
• How often do they review coverages?
• Will the quote change when the policy is issued?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are they in the agency full-time?
• Can you choose the body shop in case repairs are needed?

Different types of car insurance agents in Las Vegas

When narrowing the list to find a local Las Vegas insurance agent, it helps to know the two types of insurance agents and how they operate. Agencies in Las Vegas are categorized either independent agents or exclusive agents. Either type can do a good job, but it’s worth mentioning why they differ since it could factor into the selection process.

Exclusive Agents

Exclusive agencies have only one company to place business with such as State Farm, Allstate, and Farm Bureau. These agents are not able to shop your coverage around so always compare other rates. Exclusive agents are very knowledgeable on sales techniques which can be an advantage. Many people choose to use a exclusive agent mainly due to the brand and solid financial strength.

Listed below are Las Vegas exclusive agents that are able to give comparison quotes.

• Tom Ferrier – State Farm Insurance Agent
  7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770 – View Map
• Farmers Insurance: Kenny Redelsperger
  4045 Spencer St #114 – Las Vegas, NV 89119 – (702) 735-0926 – View Map
• Marivic Macabasco – State Farm Insurance Agent
  1096 E Sahara Ave #207 – Las Vegas, NV 89104 – (702) 892-9908 – View Map

View more agents

Independent Agents (or Brokers)

Agents in the independent channel do not have single company limitations so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, your agent can switch companies and you can keep the same agent.

When comparing insurance rates, you will want to get some free quotes from several independent agencies in order to compare the most rates. Most can insure with companies you’ve never heard of that many times have cheaper rates.

The following is a list of independent agents in Las Vegas who can help you get price quotes.

• Lanny Maren CIG Insurance Las Vegas
  4175 S Riley St #200 – Las Vegas, NV 89147 – (702) 597-5998 – View Map
• Leavitt Group – Leavitt Insurance Agency
  7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map
• Invest America Insurance LLC
  6190 W Charleston Blvd – Las Vegas, NV 89146 – (702) 685-3888 – View Map

View more agents

You can lower your insurance rates

We just showed you many tips how you can shop for Volvo S80 insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable Las Vegas car insurance quotes. You may even discover the most savings is with a small mutual company.

Consumers leave their current company for a number of reasons such as high prices, denial of a claim, being labeled a high risk driver or even poor customer service. No matter why you want to switch, choosing a new company is not as hard as you think.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

How to save money on Volvo S80 insurance in Las Vegas

The recommended way to get more affordable car insurance rates is to start doing an annual price comparison from providers who can sell car insurance in Las Vegas.

1. Try to learn about how insurance companies determine prices and the factors you can control to prevent rate increases. Many risk factors that cause high rates such as high-risk driving behaviors and an unacceptable credit history can be remedied by improving your driving habits or financial responsibility.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
3. Compare the new rates to your existing coverage to see if a cheaper rate is available in Las Vegas. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
4. Give notification to your current company to cancel your current policy. Submit any necessary down payment along with the completed application to your new agent or company. As soon as you receive it, place your new proof of insurance certificate somewhere easily accessible.

The most important part of shopping around is to use similar deductibles and liability limits on each quote and and to look at as many auto insurance providers as possible. This ensures a level playing field and plenty of rates choose from.

Even more information is located by following these links:

• Rollover Crash FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for a Ford Escape in Las Vegas? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Teachers in Las Vegas? (FAQ)
• Who Has the Cheapest Las Vegas Auto Insurance for a Honda Accord? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Las Vegas? (FAQ)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Property Damage Coverage (Liberty Mutual)