Vehicles > Volvo > 850

Volvo 850 Insurance Rates

You have lots of choices when insurance shopping for your Volvo vehicle. You can either contact a local agent or get quotes online to compare pricing from car insurance companies. Shopping for car insurance from online rate quotes saves time, is easy to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the lowest Volvo 850 insurance cost consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Auto insurance rates on a Volvo 850 will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • What you do for a living
  • Your coverage level
  • Whether you rent or own your home

A final factor that will help determine Volvo 850 insurance rates is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your 850 from available model years below.

Liability insurance - This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision - Collision coverage pays for damage to your Volvo resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Volvo 850 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper Volvo 850 insurance rates.

Comprehensive protection - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Volvo 850 comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Volvo 850 Insurance Rates?