Cheapest Insurance for a Volvo S80 in Lubbock

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Discount Volvo S80 insuranceWant to learn how to find cheaper Volvo S80 insurance in Lubbock? Beginners to comparison shopping online can find sourcing low cost Volvo S80 insurance is harder than it needs to be.

How to find better rates for Volvo S80 insurance in Lubbock

If you want to find the absolute lowest rates, then the best way to get the cheapest Volvo S80 insurance is to start comparing rates regularly from insurers in Lubbock.

  1. Learn about policy coverages and the steps you can take to keep rates down. Many policy risk factors that increase rates like high-risk driving behaviors and a substandard credit score can be amended by paying attention to minor details. Continue reading for more ideas to get lower rates and find hidden discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for many different companies.
  3. Compare the new quotes to the price on your current policy to determine if you can save on S80 insurance in Lubbock. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

A tip to remember is to use the same level of coverage on each quote and and to look at as many companies as feasibly possible. Doing this helps ensure a fair price comparison and the best price quote selection.

A recent study showed that nearly 70% of Texas drivers have remained with the same auto insurance company for four years or more, and nearly 40% of drivers have never shopped around. U.S. drivers could save about 47% a year just by shopping around, but they just don't want to do a rate comparison.

You should take the time to compare rates as often as possible due to the fact that insurance prices change regularly. Just because you had the best deal on Volvo S80 insurance in Lubbock six months ago there is a good chance you can find better rate quotes now. There is a lot of wrong information about S80 insurance online but in this article, you're going to get some of the best techniques to find cheap auto insurance in Lubbock.

If you already have coverage, you will most likely be able to find better prices using the ideas you're about to read. Finding quotes for the lowest-priced coverage in Lubbock is not as hard as you think. Although Texas drivers need to learn the way insurance companies determine what you pay because it varies considerably.

How to find cheap Volvo S80 insurance in Lubbock, TX

Keep in mind that quoting more will increase your chances of finding lower pricing. Some smaller insurers do not give price estimates online, so you should also compare rates from them, too.

The companies shown below can provide quotes in Lubbock, TX. In order to find cheap auto insurance in TX, we suggest you click on several of them to get a more complete price comparison.

Volvo S80 insurance coverage information

The premium table shown below showcases a range of insurance costs for Volvo S80 models. Knowing how policy rates are figured can help you make decisions on which insurance to purchase.

Volvo S80 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $300 $542 $382 $22 $114 $1,360 $113
S80 T6 AWD $300 $542 $382 $22 $114 $1,360 $113
S80 Executive AWD $300 $614 $382 $22 $114 $1,432 $119
S80 V8 AWD $332 $614 $382 $22 $114 $1,464 $122
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific location information which can modify premiums substantially.

Deductible analysis

When comparing auto insurance rates, the most common question is which deductibles should you choose. The rates shown below determine the rate fluctuation between low and high coverage deductibles. The first data set uses a $250 deductible for physical damage and the second rate 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 $370 $672 $382 $22 $114 $1,585 $132
S80 T6 AWD $370 $672 $382 $22 $114 $1,585 $132
S80 Executive AWD $370 $762 $382 $22 $114 $1,675 $140
S80 V8 AWD $408 $762 $382 $22 $114 $1,713 $143
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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 $228 $424 $382 $22 $114 $1,170 $98
S80 T6 AWD $228 $424 $382 $22 $114 $1,170 $98
S80 Executive AWD $228 $478 $382 $22 $114 $1,224 $102
S80 V8 AWD $252 $478 $382 $22 $114 $1,248 $104
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can modify premium rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $36 more each month or $432 every year than requesting the higher $1,000 deductible. Since the policyholder 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 have at a minimum 21 months between claims, you would most likely save money by going with a higher deductible.

Men versus women drivers and insurance cost

The illustration below visualizes the comparison of Volvo S80 insurance prices for male and female drivers. The premium estimates are based on no claims, a clean driving record, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Take policy discounts and save on Volvo S80 insurance in Lubbock

Car insurance companies don't list their entire list of discounts very clearly, so we break down some of the more common as well as the least known discounts that you may qualify for.Discount auto insurance

  • Save with a New Car - Adding a new car to your policy can be considerably cheaper since new vehicles are generally safer.
  • Multi-policy Discount - If you have multiple policies and place coverage with the same company you may save up to 20% and get you cheap S80 insurance.
  • One Accident Forgiven - Not necessarily a discount, but companies like State Farm and Progressive may permit one accident before raising your premiums with the catch being you have to be claim-free for a set time period.
  • Safe Drivers - Drivers who don't get into accidents may save up to 50% more than drivers with accidents.
  • Distant Student - College-age children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Passive Restraints and Air Bags - Options like air bags or motorized seat belts can get savings of up to 25% or more.
  • No Claim Discounts - Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • Theft Prevention System - Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Telematics Devices - Drivers that enable companies to scrutinize when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.

As is typical with insurance, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you aren't that lucky.

The example below compares Volvo S80 auto insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, homeowner, and multi-policy discounts applied.

Insurance companies that have some of the discounts shown above may include but are not limited to:

Before you buy a policy, ask all the companies the best way to save money. A few discounts might not be offered on policies in Lubbock.

Car insurance is not optional

Despite the potentially high cost of Volvo S80 insurance, insurance is required in Texas but also provides important benefits.

  • Just about all states have minimum liability requirements which means you are required to carry a minimum amount of liability protection if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your vehicle, almost all lenders will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Volvo at a much higher rate and require you to reimburse them much more than you were paying before.
  • Car insurance preserves your car and your assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of having car insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver overpays as much as $800 each year so it's recommended you shop around once a year at a minimum to help ensure money is not being wasted.

Lubbock auto insurance companies ranked

Picking the highest-rated auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Texas. The ranking data in the lists below could help you analyze which car insurance providers you want to consider putting your business with.

Top 10 Lubbock Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Can't I compare rate quotes from local Lubbock insurance agencies?

Many drivers still prefer to talk to an insurance agent and that is a personal choice. The best thing about comparing rate quotes online is the fact that drivers can get better rates and still choose a local agent. Putting coverage with neighborhood agents is still important in Lubbock.

Insurance agents in LubbockAfter completing this simple form, the quote information is instantly submitted to agents in your area that provide free Lubbock auto insurance quotes for your car insurance coverage. It's much easier because you don't need to even leave your home because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates without a big time investment. In the event you want to get a comparison quote from a particular provider, don't hesitate to go to their quote page and fill out the quote form the provide.

Multiple types of car insurance agents in Lubbock

If you are wanting to purchase car insurance from a reliable insurance agent, it helps to know the two different types of agencies and how they work. Insurance agencies in Lubbock can either be exclusive or independent.

Independent Car Insurance Agents (or Brokers)

Agents of this type are not employed by one company so as a result can place your coverage through many different car insurance companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don't have to do anything. When comparison shopping, you definitely need to get rate quotes from several independent insurance agents to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies who may have lower rates.

Below is a partial list of independent insurance agencies in Lubbock that can possibly get you pricing information.

More Lubbock agents

Exclusive Agencies

Exclusive agencies can only quote rates from one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare other company's rates so you might not find the best rates. Exclusive agents receive a lot of sales training in insurance sales which helps them compete with independent agents. Consumers often purchase coverage from exclusives mainly due to high brand loyalty rather than low price.

Shown below is a short list of exclusive insurance agents in Lubbock willing to provide comparison quotes.

More Lubbock agents

Picking an insurance agency should depend on more than just the premium amount. Here are some questions to ask:

  • Is the agent and/or agency licensed to do business in Texas?
  • Where would your vehicle be repaired?
  • Will they make sure you get an adequate claim settlement?
  • How experienced are they in personal risk management?
  • Is the coverage adequate for your vehicle?
  • How much will you save each year by using a higher deductible?
  • Will the agent help in case of a claim?