Would you like to buy lower-priced car insurance rates in Chandler, AZ? Chandler drivers have many options when trying to find affordable Volvo S80 insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to quote coverages for a Volvo and obtain the best price possible.
It’s amazing but about 70% of customers renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never compared quotes from other companies. Most drivers in Arizona could save up to 50% every year, but they just don’t want to do a rate comparison.
The method we recommend to compare insurance rates from multiple companies is to understand all the major auto insurance companies provide online access to give free rates quotes. The one thing you need to do is provide a little information like daily mileage, if you’re married, the make and model of your vehicles, and if you went to college. The rating information gets sent immediately to all major companies and they respond with quotes very quickly.
If you would like to compare rates now, click here and complete the quick form.
The companies in the list below have been selected to offer comparison quotes in Arizona. To get cheap auto insurance in Chandler, we suggest you get rates from several of them to get the most affordable price.
Rates and statistics
The premium information displayed below outlines different insurance coverage prices for Volvo S80 models. Knowing how insurance rates are determined can assist in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S80 T6 AWD||$182||$354||$282||$16||$84||$918||$77|
|S80 Executive AWD||$182||$402||$282||$16||$84||$966||$81|
|S80 V8 AWD||$200||$402||$282||$16||$84||$984||$82|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can impact rates noticeably.
The information below highlights how deductible selection and can impact Volvo S80 annual premium costs for different age categories. The information is based on a single male driver, full coverage, and no discounts are applied to the premium.
Impact of age and gender on car insurance rates
The example below illustrates the comparison of Volvo S80 insurance rates for male and female drivers. The premium estimates are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Cost comparison with and without full coverage
The information below visualizes the comparison of Volvo S80 yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no set guideline to delete physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Volvo S80 book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying the physical damage deductible. If premium cost is more than $300 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some circumstances where dropping full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
You may need specialized car insurance coverage
When buying coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.
These are some specific questions could help you determine whether you would benefit from professional advice.
- What is GAP insurance?
- Do I need medical payments coverage since I have good health insurance?
- Does my insurance cover a custom paint job?
- Do I benefit by insuring my home with the same company?
- What if I total my Volvo S80 and owe more than it’s worth?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Can I get a multi-policy discount?
- Is my son or daughter covered when driving my car?
- Can my teen drive my company car?
- Is my state a no-fault state?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Get rate quotes but still have a local Chandler insurance agent
Many people would rather sit down and talk to an agent. Most agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance prices online is that you can find cheaper prices but also keep your business local.
After filling out this short form, your information is sent to participating agents in Chandler who will give you quotes and help you find cheaper coverage. You don’t have to contact any agents because prices are sent straight to your inbox. If you want to compare prices from a particular provider, don’t hesitate to jump over to their website and fill out the quote form the provide.
Finding the right insurance company should depend on more than just a cheap price. Here are some questions to ask:
- Which family members are covered?
- Which insurance companies are they affiliated with?
- What kind of financial rating does the company have?
- Do they carry Errors and Omissions coverage?
- How will an accident affect your rates?
- Is there a 24/7 contact number?
Two types of Chandler auto insurance agents
When looking for local Chandler agents, you must know there are a couple different types of agencies and how they can quote your rates. Auto insurance agents can either be exclusive or independent. Either can properly insure your vehicles, but it is important to understand how they are different because it can impact buying decisions.
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices like AAA, Allstate, and State Farm. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on sales techniques which helps them sell on service rather than price. Many people buy from the same agent for years mainly due to the prominence of the brand rather than having the cheapest rates.
Below are Chandler exclusive agencies that are able to give price quotes.
- Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map
- Allstate Insurance: Thomas Lane
1835 W Chandler Blvd Ste 201 – Chandler, AZ 85224 – (480) 857-1384 – View Map
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company and that gives them the ability to insure through many different auto insurance companies and get you the best rates possible. If your premiums go up, the agent simply finds a different carrier and you stay with the same agent.
If you are comparing rate quotes, you absolutely need to check rates from a few independent agents to maximize your price options. Most have the option of insuring with additional companies that you may not be familiar with which may have better rates.
Shown below are independent agencies in Chandler who can help you get price quote information.
- Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map
- Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map
- Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226 – View Map