Overpriced Volvo S80 insurance in Houston can consume your family’s budget and possibly require postponing other expenditures. Comparing rate quotes is a fast and free way to tighten up your finances.
Shocking but true, most auto insurance policyholders in Texas have stayed with the same insurance company for over three years, and almost half have never even compared quotes to find lower-cost rates. Many consumers in the U.S. can save hundreds of dollars each year by just shopping around, but most just don’t grasp the actual amount they would save if they switch to a new company.
Due to the increasing number of online and local companies to choose from, it can be diffult for people to find the most affordable auto insurance provider.
Shopping for the best-priced auto insurance policy in Houston is easy if you know what you’re doing. Just about each driver who comparison shops for auto insurance will find better rates. Nevertheless, Texas car owners should learn how the larger insurance companies price online insurance.
When price shopping your coverage, comparing more prices helps you find a lower rate than you’re paying now. Some regional insurers cannot provide online price quotes, so you should also compare price quotes from them, too.
The auto insurance companies shown below are our best choices to provide free quotes in Houston, TX. If several companies are displayed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S80 T6 AWD||$176||$352||$358||$22||$108||$1,016||$85|
|S80 Executive AWD||$362||$876||$462||$28||$138||$1,866||$156|
|S80 V8 AWD||$390||$890||$400||$24||$120||$1,824||$152|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in vehicle location which can revise price quotes noticeably.
How high should deductibles be?
The illustration below highlights how deductible selection and can affect Volvo S80 insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Save money with these six price cutting discounts
Companies offering auto insurance don’t always publicize every discount very clearly, so the list below contains some of the best known and the more hidden credits that you can use to lower your rates.
- Early Signing – Select car insurance companies give a discount for switching policies prior to the expiration date on your current S80 insurance policy. Ten percent is about the average savings.
- Data Collection Discounts – Drivers who elect to allow their insurance company to monitor where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if their driving habits are good.
- Club Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
- Theft Prevention System – Cars with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
- Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- First Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident without raising rates so long as you are claim-free for a specific time period.
Policy discounts save money, but many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.
Companies and their offered discounts can be read below.
- GEICO offers discounts including multi-policy, anti-theft, seat belt use, membership and employees, emergency military deployment, and air bags.
- Mercury Insurance may offer discounts for professional/association, multi-car, age of vehicle, location of vehicle, and accident-free.
- Farmers Insurance may include discounts for multi-car, mature driver, early shopping, electronic funds transfer, and switch companies.
- Auto-Owners Insurance has discounts for anti-theft, air bags, student away at school, good student, multi-policy, group or association, and company car.
- Liberty Mutual has savings for safety features, new graduate, multi-car, hybrid vehicle, new vehicle discount, multi-policy, and newly married.
- SAFECO may have discounts that include teen safe driver, anti-theft, drive less, accident prevention training, teen safety rewards, and anti-lock brakes.
- Progressive policyholders can earn discounts including online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, and multi-policy.
- USAA includes discounts for vehicle storage, military installation, annual mileage, safe driver, and loyalty savings.
Before you buy a policy, ask each company how you can save money. Savings might not apply in Houston. To view providers that provide some of the discounts listed above in Texas, click here to view.
Insurance agents can give valuable advice
A small number of people prefer to sit down with an agent and that is not a bad decision The biggest benefit of comparing rates online is the fact that drivers can get the lowest rates and still buy from a local agent. Buying from and supporting local agents is important especially in Houston.
To help locate an agent, after submitting this short form, your insurance data gets sent to insurance agents in Houston that give free quotes for your business. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go to the email address you provide. You can get cheaper insurance rates and a licensed agent to work with. If you have a need to quote rates from a specific insurance provider, just visit that company’s website and fill out their quote form.
If you prefer to buy insurance from a local insurance agency, you should know the types of insurance agents that you can select. Insurance agencies in Houston can be described as either independent or exclusive depending on the company they work for.
Independent Insurance Agencies or Brokers
These agents are not limited to a single company so they can write business with multiple insurance companies and help determine which has the cheapest rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part. If you need cheaper insurance rates, it’s recommended you get some free quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.
Shown below is a partial list of independent insurance agents in Houston that can possibly get you free insurance quotes.
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like AAA, Allstate, and State Farm. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents are trained well on sales techniques and that enables them to sell even at higher rates.
Below is a list of exclusive agencies in Houston who can help you get price quotes.
Finding a good insurance agent needs to be determined by more than just the price. Agents should be asked these questions:
- Are you getting all the discounts the company offers?
- Which insurance company do they prefer to write with?
- When do they do a full risk review?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the company allow you to choose your own collision repair facility?
- How are they compensated?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they able to provide referrals?
Which is the best auto insurance?
When buying a policy for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that
Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.
- Why is insurance for a teen driver so high in Houston?
- Do I need an umbrella policy?
- Should I rate my vehicle as business use?
- Do I have coverage when using my vehicle for my home business?
- Is my dog or cat covered if injured in an accident?
- Am I covered if I hit a deer?
- Is my state a no-fault state?
- Does my personal policy cover me when driving out-of-state?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Car insurance coverages 101
Knowing the specifics of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, nursing services, dental work and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo S80.
Because many people have only the minimum liability required by law (30/60/25 in Texas), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.
Comprehensive car insurance
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage, rock chips in glass, damage from flooding and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 30/60/25 that means you have a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as legal defense fees, emergency aid, structural damage, court costs and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy higher limits.
Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a mailbox, rolling your car, crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your S80 in order to get cheaper collision rates.
More comparisons equals cheap rates
Budget-conscious Volvo S80 insurance is possible on the web as well as from independent agents in Houston, so you need to shop Houston car insurance with both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and usually these small, regional companies prefer to sell through independent agencies.
As you quote Houston car insurance, don’t be tempted to reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.
In this article, we covered quite a bit of information on how to reduce Volvo S80 insurance rates online in Houston. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding affordable Volvo S80 insurance quotes. Consumers could even find that the lowest rates are with the smaller companies. They may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive or GEICO.
For more information, feel free to browse the resources below:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Houston Car Insurance Rates for Drivers with Accidents? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- What Car Insurance is Cheapest for 17 Year Olds in Houston? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Civic in Houston? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for a Nissan Altima? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Subaru Outback? (FAQ)
- How Much are Auto Insurance Rates for a Honda CR-V in Houston? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- What Does No-Fault Insurance Cover? (Allstate)
- Vehicle Safety Ratings (iihs.org)