View 2019 Volvo S60 Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2024

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Are you overwhelmed by the wide range of insurance choices? You have so many choices to choose from that it can easily turn into a chore to find the lowest price.

Lower your insurance costs

Many different elements are used in the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious like where you live or how financially stable you are.

The items below are a partial list of the pieces used by insurance companies to determine your premiums.

  • Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If the Volvo S60 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Getting married can lower rates – Your spouse may earn you lower rates when buying auto insurance. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Insurance rates in urban areas – Residing in less populated areas of the country may provide you with better prices when talking about auto insurance. Fewer people means less chance of accidents. Drivers who live in large cities tend to have more aggressive driving styles and longer commute times. Spending more time driving can result in more accidents.
  • Older drivers save more – Older insureds have been proven to be more responsible, tend to file fewer claims and receive fewer citations. Teen drivers tend to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.

How to shop insurance coverage online

Comparing insurance coverage rates is a ton of work if you don’t know the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace that allows shoppers to send in one quote, and each company can provide price quotes for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, enter your zip code here.

The single downside to getting quotes like this is that consumers can’t choose which carriers to get quotes from. If you wish to select from a list of companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to enter zip code for insurance companies.

It’s up to you which method you use, but try to keep the same coverage information on every quote you get. If you have different data it will be very difficult to decipher which rate is best. Having just a slight variation in coverages can result in a big premium difference. And when quoting insurance coverage, remember that making a lot of price comparisons gives you a better chance of getting a lower rate than you’re paying now. Not every company allows you to get quotes online, so it’s necessary to compare prices from them, too.

Discounts for lower-cost auto insurance rates

Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Some trigger automatically when you purchase, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Professional Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break when getting a car insurance quote.
  • Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Fewer Miles Equal More Savings – Driving less may allow you to get lower premium rates on the low mileage vehicles.
  • Defensive Driver Discount – Participating in a class that teaches safe driver techniques can save you 5% or more depending on where you live.
  • Driving Data Discount – Insureds who allow their insurance company to scrutinize driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Student in College – Kids who are attending college and leave their car at home could qualify for this discount.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on S60 insurance than drivers with accident claims.

Remember that some of the credits will not apply to the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

A few of the larger companies and a summarized list of policyholder discounts are:

  • State Farm may offer discounts for Drive Safe & Save, student away at school, safe vehicle, accident-free, Steer Clear safe driver discount, multiple policy, and good student.
  • GEICO offers discounts including driver training, multi-vehicle, membership and employees, daytime running lights, emergency military deployment, anti-lock brakes, and anti-theft.
  • Progressive offers premium reductions for online quote discount, continuous coverage, online signing, homeowner, and multi-vehicle.
  • 21st Century policyholders can earn discounts including student driver, air bags, early bird, defensive driver, 55 and older, anti-lock brakes, and theft prevention.
  • American Family discounts include air bags, multi-vehicle, early bird, TimeAway discount, bundled insurance, and mySafetyValet.
  • The Hartford may include discounts for vehicle fuel type, defensive driver, anti-theft, air bag, and bundle.
  • AAA has discounts for AAA membership discount, anti-theft, multi-policy, good driver, good student, and multi-car.

Check with all companies you are considering to give you their best rates. Depending on the company, some discounts may not be available in your area. To choose insurers that offer many of these discounts, enter your zip code here.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to a rental car in a foreign country?
  • Is my teenager covered with friends in the car?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance coverage breakdown

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

Collision coverage pays for damage to your S60 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2019 Volvo S60.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.


Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like medical services, attorney fees and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as surgery, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

What is YOUR best insurance company?

You just read a lot of techniques to shop for 2019 Volvo S60 insurance online. The key thing to remember is the more you quote car insurance, the better your comparison will be. Consumers could even find that the best car insurance rates are with a lesser-known regional company.

Cost effective 2019 Volvo S60 insurance can be purchased online and from local agencies, and you should be comparing both to have the best rate selection. Some companies may not provide rate quotes online and most of the time these regional carriers provide coverage only through local independent agents.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, policy cancellation, denial of a claim and high prices. Regardless of your reason, switching insurance companies can be less work than you think.

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