Auto Insurance Rates for a Volvo S80 in Buffalo

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Insurance for Volvo S80It takes a little time, but the best way to save on car insurance rates is to annually compare prices from insurance carriers who provide car insurance in Buffalo.

  • First, try to understand what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many factors that cause high rates like traffic tickets, fender benders, and a negative credit score can be eliminated by making minor changes to your lifestyle. Keep reading for more information to prevent high prices and earn a bigger discount.
  • Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources. Click to view companies
  • Third, compare the price quotes to your current policy premium to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no lapse in coverage.

One bit of advice is to use the same coverage limits and deductibles on every quote request and and to look at all possible companies. Doing this provides the most accurate price comparison and a complete rate analysis.

Surprisingly, a recent survey revealed that a large majority of drivers kept their coverage with the same car insurance company for more than four years, and just under half have never compared rates to find lower-cost insurance. Many drivers in the United States could save as much as $860 each year, but most just don't grasp the big savings they would realize if they moved their coverage to a different company.

Locating the most cost-effective auto insurance policy in Buffalo is not rocket science. If you are already insured or just want a better rate, you will benefit by learning to find better prices without reducing coverage. Drivers only have to learn the fastest way to compare company rates from many different companies online.

Most major insurance companies like State Farm and Allstate provide price estimates on the web. Getting online rates for Volvo S80 insurance in Buffalo is pretty painless because you just enter the coverage amounts you desire into a form. Upon sending the form, the system will order your driving record and credit report and provides a quote based on these and other factors. Being able to quote online for Volvo S80 insurance in Buffalo helps simplify price comparisons, and it is imperative to compare as many rates as possible if you want to get cheaper car insurance pricing.

To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you input the coverages as close as possible to your current policy. This ensures you're receiving a fair comparison for similar insurance coverage.

The companies in the list below have been selected to offer quotes in New York. If multiple companies are listed, it's a good idea that you click on several of them to get a more complete price comparison.

Get cheap rates by taking advantage of these six discounts

Car insurance companies don't list every policy discount very well, so the next list breaks down some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy Buffalo car insurance online. If they aren't giving you every credit you deserve, you're paying more than you need to.Save money with discounts

  • Safety Course Discount - Taking a class that teaches safe driver techniques could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes - Cars and trucks with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Senior Citizen Discount - If you qualify as a senior citizen, you can get a slight reduction on a Buffalo car insurance quote.
  • Low Miles Discount - Low mileage vehicles may allow you to get cheaper premium rates.
  • E-sign - Some of the larger companies will provide an incentive just for signing your application on their website.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.

As a footnote on discounts, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies wouldn't make money that way. But any discount will bring down your overall premium however.

The illustration below visualizes the comparison of Volvo S80 yearly insurance costs with and without discounts. The prices are based on a male driver, no driving violations, no at-fault accidents, New York state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, claim-free, and marriage discounts applied.

If you would like to choose from a list of insurance companies who offer cheap Volvo S80 insurance quotes in Buffalo in Buffalo, follow this link.

Analysis of Volvo S80 rates

The coverage information displayed below covers detailed analysis of insurance costs for Volvo S80 models. Understanding how insurance prices are formulated can help you make smart choices when purchasing an auto insurance policy.

Volvo S80 Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $232 $464 $358 $22 $106 $1,182 $99
S80 T6 AWD $232 $464 $358 $22 $106 $1,182 $99
S80 Executive AWD $232 $524 $358 $22 $106 $1,242 $104
S80 V8 AWD $256 $524 $358 $22 $106 $1,266 $106
Get Your Own Custom Quote Go

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle location which can affect coverage prices significantly.

Raise deductibles and save

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The premium rates below can help show the cost difference between low and high coverage deductibles. The first rate table uses a $100 deductible and the second rate table uses a $500 deductible.

Volvo S80 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $286 $558 $264 $16 $80 $1,229 $102
S80 T6 AWD $286 $558 $264 $16 $80 $1,229 $102
S80 Executive AWD $286 $632 $264 $16 $80 $1,303 $109
S80 V8 AWD $316 $632 $264 $16 $80 $1,333 $111
Get Your Own Custom Quote Go
Volvo S80 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $210 $378 $264 $16 $80 $948 $79
S80 T6 AWD $210 $378 $264 $16 $80 $948 $79
S80 Executive AWD $210 $426 $264 $16 $80 $996 $83
S80 V8 AWD $230 $426 $264 $16 $80 $1,016 $85
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in garaging location in Buffalo which can change auto insurance rates significantly.

Based on the above data, using a $100 deductible costs roughly $24 more each month or $288 annually across all Volvo S80 models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 17 months between claim filings, you would probably come out ahead if you choose the higher deductible. Below is how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $106
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. You need to have enough disposable income in order to pay the higher deductible in order to repair your vehicle.

The diagram below illustrates how choosing a deductible and can raise or lower Volvo S80 insurance costs for each age group. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

How to find a good New York auto insurance company

Finding a good quality auto insurance company can be difficult considering how many companies sell coverage in New York. The ranking data in the next section may help you analyze which insurers you want to consider comparing rate quotes with.

Top 10 Buffalo Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. GEICO - A++
  3. Travelers - A++
  4. State Farm - A++
  5. Allstate - A+
  6. Nationwide - A+
  7. Esurance - A+
  8. Erie Insurance - A+
  9. Progressive - A+
  10. Mercury Insurance - A+

Top 10 Buffalo Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Allstate
  10. Farmers Insurance