Best Rates for Volvo S80 Insurance in Sacramento

It’s amazing but nearly 70% of consumers have bought auto insurance from the same company for over three years, and nearly half have never compared rates with other companies. With the average premium in California being $1,390, drivers could save nearly $469 a year, but they feel it’s too difficult to find cheap auto insurance rates.

Discount Volvo S80 insuranceReally, the only way to find low-cost prices for Volvo S80 insurance is to start doing an annual price comparison from insurers that insure vehicles in Sacramento.

An important bit of advice to remember is that you’ll want to make sure you compare identical deductibles and limits on every quote request and and to get price quotes from all possible companies. Doing this enables a fair price comparison and a complete selection of prices.

The companies shown below offer price quotes in Sacramento, CA. To find cheaper car insurance in Sacramento, CA, we suggest you visit several of them in order to find the most affordable rates.

Auto insurance data for a Volvo S80

The rate table below outlines detailed analysis of prices for Volvo S80 models. Understanding how insurance prices are figured can aid in making informed decisions when comparing rates.


Volvo S80 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $342 $724 $534 $32 $160 $1,792 $149
S80 T6 AWD $342 $724 $534 $32 $160 $1,792 $149
S80 Executive AWD $342 $818 $534 $32 $160 $1,886 $157
S80 V8 AWD $378 $818 $534 $32 $160 $1,922 $160
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific location information which can modify auto insurance rates noticeably.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The data tables below may help to illustrate how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.


Volvo S80 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $430 $780 $442 $26 $132 $1,835 $153
S80 T6 AWD $430 $780 $442 $26 $132 $1,835 $153
S80 Executive AWD $430 $882 $442 $26 $132 $1,937 $161
S80 V8 AWD $474 $882 $442 $26 $132 $1,981 $165
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Volvo S80 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S80 3.2 $348 $630 $442 $26 $132 $1,578 $132
S80 T6 AWD $348 $630 $442 $26 $132 $1,578 $132
S80 Executive AWD $348 $712 $442 $26 $132 $1,660 $138
S80 V8 AWD $384 $712 $442 $26 $132 $1,696 $141
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in garaging location in Sacramento which can revise coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $22 more each month or $264 every year than choosing the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 11 months between claims, you would probably save some money if you elect the higher deductible.

The information below shows how choosing a deductible and can change Volvo S80 yearly insurance costs for different age categories. The premiums assume a single female driver, full physical damage coverage, and no other discounts are factored in.

You may qualify for discounts for Volvo S80 insurance in Sacramento

Car insurance can be pricey, but there are discounts available that can dramatically reduce your bill. Certain credits will be shown when you quote, but some must be asked about before you get the savings.Save money with discounts

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

The chart below compares Volvo S80 auto insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

Large car insurance companies and some of the premium reductions they offer can be read below.

It’s a good idea to ask each company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in every state. To locate companies offering car insurance discounts in Sacramento, click here to view.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Sacramento, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. But the average American driver is overpaying over $800 each year so shop around at least once a year to help ensure money is not being wasted.

California car insurance company ratings

Choosing the right insurer can be challenging considering how many companies sell coverage in Sacramento. The company information in the lists below can help you analyze which car insurance providers to look at comparing price quotes from.

Top 10 Sacramento Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Local insurance agents

Some people just want to get professional advice from a licensed agent and that can be a great decision Good insurance agents can make sure you are properly covered and will help you if you have claims. The best thing about comparing rate quotes online is that you can find cheap rate quotes but also keep your business local.

Find insurance agent in SacramentoFor easy comparison, once you complete this short form, your coverage information gets sent to local insurance agents in Sacramento who will give you quotes for your insurance coverage. There is no need to contact any agents since rate quotes are delivered to the email address you provide. If for some reason you want to get a comparison quote for a specific company, feel free to go to their quote page and fill out the quote form the provide.

Finding the right company shouldn’t rely on just a cheap quote. These are some questions you should get answers to.

Pick the best auto insurance agent in Sacramento for you

If you prefer to buy insurance from a reputable agency, you should know the different agency structures and how they can write your policy. Sacramento agents may be either independent agents or exclusive agents. Either can provide insurance policies, but it’s a good idea to understand why they differ since it can affect the type of agent you choose.

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company’s rates and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so you might not find the best rates. These agents are trained well on the products they sell which helps them compete with independent agents. Some insured continue to use the same agent primarily because of the prominent brand name instead of buying on price only.

The following is a list of exclusive insurance agencies in Sacramento willing to provide comparison quotes.

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Independent Insurance Agencies

Agents in the independent channel are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your premiums go up, they simply move the coverage in-house and you stay with the same agent. If you are comparing rate quotes, we recommend you get several quotes from a few independent agents for the best price selection. A lot of them also have access to companies that do not advertise much that can offer cheaper rates than bigger companies.

Shown below are Sacramento independent agencies who can help you get comparison quotes.

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After receiving good answers to any questions you may have and a low price estimate, chances are good that you have found an insurance agency that is professional and can insure your vehicles. It’s important to know that it’s your policy and you can terminate coverage at any point so don’t feel that you are permanently stuck with any particular company for a certain time period.