Trying to come up with a payment for overpriced auto insurance can sap your monthly budget and maybe even restrict other spending.
Statistics show that most drivers in California kept their coverage with the same auto insurance company for more than four years, and nearly the majority have never even compared rates from other companies. American drivers could save almost $850 a year by just comparing rate quotes, but they mistakenly think it’s difficult to compare rates.
Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate on Volvo S80 insurance in San Diego.
If you have insurance now, you will most likely be able to find the best rates using the concepts covered in this article. Finding the cheapest auto insurance coverage in San Diego is really quite simple as long as you have a good starting point. But California drivers do need to understand how insurance companies charge you for coverage and take advantage of how the system works.
The fastest way that we advise to compare insurance rates in your area takes advantage of the fact most of the bigger providers have advanced systems to provide you with free rate quotes. All consumers are required to do is give them rating details like if a SR-22 is required, if you have a valid license, types of safety features, and your general credit rating. The data is then sent to many different companies and they provide comparison quotes very quickly.
To compare cheap Volvo S80 insurance rates now, click here and find out if you can get cheaper insurance in San Diego.
The following companies provide free quotes in California. If several companies are displayed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $228 | $482 | $464 | $28 | $138 | $1,340 | $112 |
| S80 T6 AWD | $476 | $960 | $596 | $36 | $178 | $2,246 | $187 |
| S80 Executive AWD | $412 | $1032 | $464 | $28 | $138 | $2,074 | $173 |
| S80 V8 AWD | $406 | $874 | $416 | $24 | $124 | $1,844 | $154 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence premiums substantially.
Violations and accidents raise rates
The illustration below illustrates how speeding tickets and at-fault fender-benders drive up Volvo S80 insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Premiums by gender and age
The example below compares Volvo S80 insurance rates for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
There’s no such thing as the perfect insurance policy
Keep in mind that when it comes to choosing a policy for your personal vehicles, there really isn’t a one size fits all plan. Your needs are not the same as everyone else’s.
For example, these questions might help in determining if your situation might need professional guidance.
- How can I get my company to pay me more for my totalled car?
- How do I insure my teen driver?
- Is my Volvo S80 covered if I use it for business?
- Do I have coverage when making deliveries for my home business?
- Can I pay claims out-of-pocket if I buy high deductibles?
- When should I not buy collision coverage?
- Is there coverage for my trailer?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Shop online but buy locally
Many people prefer to buy from a licensed agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is that you can obtain cheap rate quotes and still have an agent to talk to. And providing support for local agencies is still important in San Diego.
For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to agents in your area who want to provide quotes for your coverage. There is no reason to find an agent since price quotes are sent to the email address you provide. You can get cheaper car insurance rates and a licensed agent to work with. If for some reason you want to get a price quote from a specific company, feel free to search and find their rate quote page and fill out their quote form.
Best car insurance agent in San Diego
If you need to find a reliable agent, you need to know there are two different types of agents that you can choose from. Car insurance agents may be either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies
These agents often have affiliation with several companies so they have the ability to put coverage with an assortment of companies depending on which coverage is best. If you want to switch companies, the business is moved internally which makes it simple for you.
When comparing rates, you will definitely want to get rate quotes from multiple independent agents to have the most options to choose from.
The following are independent insurance agencies in San Diego who may be able to give you pricing information.
Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map
Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578 – View Map
Exclusive Insurance Agencies
These agents are contracted to one company and some examples include Allstate and State Farm. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.
Listed below is a short list of exclusive agents in San Diego that can give you comparison quotes.
Allstate Insurance: Philip Mullane
3555 Rosecrans St Ste 202 – San Diego, CA 92110 – (619) 223-2191 – View Map
State Farm: Wendy Phillips
3838 Camino Del Rio N #103 – San Diego, CA 92108 – (619) 563-0380 – View Map
Steve Lewis – State Farm Insurance Agent
7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276 – View Map
Picking an car insurance agent should include more criteria than just a cheap price quote. You should also get answers to these questions.
- Which company do they place the most coverage with?
- Is there a Errors and Omissions policy in force?
- When do they do a full risk review?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency have a positive business rating?
- How many years have they been established?
- How long have they worked with personal auto insurance coverage?
- Do they prorate repair cost based on vehicle mileage?
After getting answers to your satisfaction to any questions you have as well as a affordable price, you have narrowed it down to a car insurance agent that can be relied on to adequately provide car insurance.