The most effective way to find more affordable Volvo S80 insurance is to regularly compare prices from companies who can sell car insurance in Kansas City.
Step 1: Get a basic knowledge of how insurance companies determine prices and the things you can change to prevent high rates. Many rating factors that cause rate increases like speeding tickets, accidents and a negative credit rating can be eliminated by making minor changes to your lifestyle. Keep reading for more ideas to help keep prices low and find overlooked discounts.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the price quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your existing policy and submit the completed application along with a down payment to your new company or agent. Immediately upon receiving it, store the proof of insurance paperwork with the vehicle registration.
The critical component of shopping around is to try to use the same level of coverage on each quote and to quote with as many companies as feasibly possible. This helps ensure the most accurate price comparison and the best price quote selection.
Amazingly, a recent NerdWallet.com study showed that over 70% of drivers kept buying from the same company for more than four years, and approximately 40% of consumers have never even compared rates from other companies. Most drivers in Missouri could save themselves approximately $300 a year just by shopping around, but most just don’t grasp how much money they would save if they changed companies.
Buying the cheapest car insurance in Kansas City is much easier if you have a good place to start. Practically everyone who is required to buy car insurance stands a good chance to find a lower-cost company. Although Missouri consumers should learn how the larger insurance companies sell insurance online because rates fluctuate considerably.
Most larger insurance companies such as Allstate, GEICO and Progressive provide coverage prices direct online. The process is quite simple because you just enter your personal and coverage information into a form. When complete, their quoting system automatically retrieves your driving record and credit report and gives you a price quote based on the data you entered.
This makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get a lower rate.
In order to compare rates using this form now, check out the car insurance providers below. If you currently have coverage, we recommend you enter the insurance coverages identical to your current policy. This way, you will be getting an apples-to-apples comparison for similar coverage.
The following companies can provide price quotes in Kansas City, MO. To get cheaper car insurance in MO, we suggest you visit several of them to get a more complete price comparison.
Rate information and statistics
The rate information shown below covers estimates of coverage prices for Volvo S80 models. Knowing how auto insurance premiums are formulated is important for drivers to make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $248 | $550 | $280 | $16 | $84 | $1,178 | $98 |
| S80 T6 AWD | $248 | $550 | $280 | $16 | $84 | $1,178 | $98 |
| S80 Executive AWD | $248 | $622 | $280 | $16 | $84 | $1,250 | $104 |
| S80 V8 AWD | $274 | $622 | $280 | $16 | $84 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in specific Kansas City garaging location which can decrease or increase rates significantly.
Policy deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The figures shown below may help to illustrate the differences in premium rates when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| S80 T6 AWD | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| S80 Executive AWD | $288 | $636 | $266 | $16 | $80 | $1,311 | $109 |
| S80 V8 AWD | $318 | $636 | $266 | $16 | $80 | $1,341 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S80 3.2 | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| S80 T6 AWD | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| S80 Executive AWD | $160 | $334 | $266 | $16 | $80 | $856 | $71 |
| S80 V8 AWD | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle location which can increase or decrease rates substantially.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $37 more each month or $444 annually than choosing the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 24 months between claims, you would come out ahead if you decide on a higher deductible.
Rate difference between full and liability-only coverage
The diagram below visualizes the comparison of Volvo S80 yearly insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
When to drop comprehensive and collision
There is no set guideline to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s pretend your Volvo S80 claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are paying over $300 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Everyone needs different car insurance coverages
When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions may help highlight whether or not you might need an agent’s assistance.
- How much can I save by bundling my policies?
- Why am I required to get a high-risk car insurance policy?
- What policy terms are available?
- Is my teen driver covered when they drive my company car?
- Does every company file a SR-22 automatically?
- What states are considered no-fault?
- Can my babysitter drive my car?
- Am I covered if my car is in a flood?
- Why am I required to buy liability insurance?
If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Independent versus exclusive insurance agents
A small number of people just prefer to sit down and talk to an agent and that can be a great decision A good thing about getting free rate quotes online is that drivers can save money and get cheap car insurance quotes but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to insurance agents in Kansas City who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to do any legwork as quotes are delivered to you instantly. You can find better rates without a big time investment. If you need to get a price quote from one company in particular, you can always navigate to their website and fill out the quote form the provide.
Picking an provider shouldn’t rely on just a low price. Below are some questions you should ask.
- What company do they have the most business with?
- Do the agents have professional certifications like CPCU or CIC?
- Do you need full coverage on every vehicle?
- How is replacement cost determined on your vehicle?
- Do they offer rental car reimbursement?
- If independent agents, which companies do they recommend?
If you are wanting to purchase car insurance from a reputable agency, you must know there are a couple different types of agents and how they work. Car insurance agents in Kansas City can be classified as either exclusive agents or independent agents.
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices and examples are State Farm, Allstate and AAA. They usually cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. A lot of people buy from the same agent for years partially due to the prominent brand name rather than low price.
Shown below are exclusive agents in Kansas City willing to provide rate quotes.
- Joe Janacaro – State Farm Insurance Agent
5555 NW Barry Rd – Kansas City, MO 64154 – (816) 587-8330 – View Map - State Farm: Bret Farrar
6406 E 87th St #103 – Kansas City, MO 64138 – (816) 333-4445 – View Map - Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 – View Map
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies and find the cheapest rate. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to do anything. When comparing rates, you will want to get some free quotes from a few independent agents in order to compare the most rates. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.
Shown below are Kansas City independent agencies that are able to give price quotes.
- SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map - McLaughlin Insurance Agency
406 W 34th St #802 – Kansas City, MO 64111 – (816) 931-3341 – View Map - Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map