Compare Volvo S80 Insurance Quotes in Detroit

Insurance quote for Volvo S80 in DetroitThe best way we recommend to get affordable auto insurance rates is to compare prices once a year from providers in Detroit. You can compare prices by following these guidelines.

  1. Read and learn about how your policy works and the measures you can take to prevent expensive coverage. Many things that are responsible for high rates like at-fault accidents and poor credit can be improved by being financially responsible and driving safely.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
  3. Compare the new quotes to your current policy and determine if cheaper S80 coverage is available in Detroit. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
  4. Give proper notification to your current agent or company of your intent to cancel your current policy and submit a down payment and signed policy application to your new insurance company. As soon as you receive it, put the certificate verifying proof of insurance along with the vehicle’s registration papers.

The most important part of this process is to use the same deductibles and limits on each quote request and and to get rate quotes from as many companies as possible. This ensures the most accurate price comparison and plenty of rates choose from.

It’s easy to assume that insurance companies don’t want you to look for cheaper rates. Insureds who compare other prices are highly likely to switch auto insurance companies because there is a good chance of finding a more affordable policy premium. A recent survey discovered that people who compared rates annually saved $3,400 over four years compared to people who never compared other company’s rates.

If finding the cheapest rates on auto insurance in Detroit is the reason you’re reading this, then having some insight into how to quote and compare insurance coverage can help simplify the process.

Most major insurance companies make it easy to get price estimates on their websites. Getting online rates for Volvo S80 insurance in Detroit doesn’t take a lot of time as you simply type in the amount of coverage you want as detailed in the form. When the form is submitted, the quote system will order information on your driving record and credit history and returns a price determined by many factors. Being able to quote online for Volvo S80 insurance in Detroit makes it simple to compare prices and it’s also necessary to get many rate quotes in order to find the lowest payment on insurance.

If you want to compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you enter the coverage information just like they are on your policy. This guarantees you will receive comparison quotes for similar insurance coverage.

The auto insurance companies shown below can provide free quotes in Detroit, MI. To find the best cheap car insurance in MI, we recommend you visit as many as you can to find the most affordable auto insurance rates.

Volvo S80 coverage analysis

The premium table shown below showcases detailed analysis of prices for Volvo S80 models. Learning a little about how rate quotes are figured is important for drivers to make decisions on which insurance to purchase.


Volvo S80 Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $744 $1500 $932 $56 $280 $3,512 $293
S80 T6 AWD $744 $1500 $932 $56 $280 $3,512 $293
S80 Executive AWD $744 $1698 $932 $56 $280 $3,710 $309
S80 V8 AWD $820 $1698 $932 $56 $280 $3,786 $316
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location which can decrease or increase premiums noticeably.

Higher deductibles save money

One frequently asked question is which comprehensive and collision deductibles to buy. The rates shown below can help show how much more rates are between high and low comp and collision deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.


Volvo S80 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $748 $1456 $690 $40 $206 $3,165 $264
S80 T6 AWD $748 $1456 $690 $40 $206 $3,165 $264
S80 Executive AWD $748 $1646 $690 $40 $206 $3,355 $280
S80 V8 AWD $824 $1646 $690 $40 $206 $3,431 $286
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Volvo S80 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $546 $984 $690 $40 $206 $2,466 $206
S80 T6 AWD $546 $984 $690 $40 $206 $2,466 $206
S80 Executive AWD $546 $1112 $690 $40 $206 $2,594 $216
S80 V8 AWD $602 $1112 $690 $40 $206 $2,650 $221
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $62 more each month or $744 annually averaged for all S80 models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 6 months between claims, you would probably be better off going with the higher deductible.

Does full coverage make sense?

The information below illustrates the comparison of Volvo S80 auto insurance rates with full coverage compared to only the Michigan minimum liability coverage. Data assumes no claims or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comp and collision

There is no clear-cut formula to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Volvo S80 replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.

Car insurance policy discounts for Volvo S80 insurance in Detroit

Companies do not list every available discount in a way that’s easy to find, so the below list has a few of the more common in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit you qualify for, you are not getting the best rate possible.Car insurance discounts

One last thing about discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

The chart below shows the comparison of Volvo S80 car insurance rates with and without policy discounts. The price estimates are based on a female driver, no claims or driving citations, Michigan state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.

If you would like to view car insurance companies who offer free Volvo S80 insurance quotes in Michigan, click here.

Why you need quality insurance for your vehicle

Even though it can be expensive, insurance is not optional due to several reasons.

The benefits of buying insurance are definitely more than the cost, particularly when you have a large claim. Today the average American driver is overpaying over $865 each year so we recommend shopping around at every renewal to save money.

Insurance agents can help

Always remember that when buying coverage online or from an agent, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed.Drive safe and save
For example, these questions might point out if your insurance needs could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Local Detroit insurance agencies

A small number of people prefer to have an agent’s advice and we recommend doing that Agents can answer important questions and give you someone to call. An additional benefit of getting online price quotes is the fact that you can find lower premium rates and still have a local agent. Supporting small agencies is especially important in Detroit.

Find insurance agent in DetroitUpon completion of this quick form, your insurance data is sent to local insurance agents in Detroit who will return price quotes for your business. You won’t even need to find an agent because prices are sent directly to you. If you want to quote rates from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.

Pick the best auto insurance agent in Detroit for you

If you want to use a reliable insurance agent, it can be helpful to understand the different types of agencies and how they work. Agencies in Detroit are categorized either exclusive or independent (non-exclusive). Either one can write policy coverage, but it’s good to learn the difference between them since it can impact which type of agent you select.

Independent Auto Insurance Agencies or Brokers

These type of agents are appointed with more than one company and that enables them to quote your coverage through many companies and find you the best rates. If prices rise, the agent simply finds a different carrier and you stay with the same agent. If you need lower rates, we recommend you compare quotes from at least one independent agent in order to have the best price comparison.

Listed below are independent agencies in Detroit that may be able to give price quotes.


3245 E Jefferson AveDetroit, MI 48207(313) 877-7400View Map

Dave Gilead Insurance Agency
18323 W McNichols RdDetroit, MI 48219(313) 533-3220View Map


6248 Michigan AveDetroit, MI 48210(313) 896-1000View Map

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Exclusive Insurance Agencies

These type of agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents are highly trained on sales techniques and that can be a competitive advantage.

Below is a short list of exclusive insurance agencies in Detroit that are able to give price quotes.


3031 W Grand Blvd #568Detroit, MI 48202(313) 875-3172View Map


W, 7725 Vernor HwyDetroit, MI 48209(313) 554-1500View Map


18711 Grand River AveDetroit, MI 48223(313) 272-2020View Map

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Finding the right car insurance agent is decision based upon more than just the price. Any agent in Detroit should have no problem answering these questions: