2022 Volvo S60 Car Insurance Quotes in 2024 – 10 Tricks for Best Rates

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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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Want lower insurance coverage rates for your Volvo S60? Are you regretting the purchase of an expensive insurance coverage policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Because there are so many different company options, it can be challenging to find the lowest price insurer.

Consumers should take time to compare premium rates periodically because insurance prices are usually higher with each renewal. Despite the fact that you may have had the best deal for S60 insurance at your last renewal other companies may now be cheaper. Don’t believe everything you read about insurance coverage online but I’m going to show you a lot of great tips on how to lower your insurance coverage bill.

Discounts can really help lower rates

Some insurers do not list all their discounts very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Discount for Multiple Policies – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
  • Professional Organizations – Being in a professional or civic organization could trigger savings on your next renewal.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you could save up to 5%.
  • Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Driver Training Discounts – Taking time to complete a defensive driving class may get you a small discount and make you a better driver.
  • Accident Waiver – This one isn’t a discount, but a few companies such as Progressive, State Farm and GEICO may permit one accident without the usual rate increase if you are claim-free for a set time period.
  • Onboard Data Collection – Drivers who elect to allow data collection to scrutinize driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for completing your application on the internet.
  • Service Members Pay Less – Being on active deployment in the military could mean lower car insurance rates.

As a footnote on discounts, most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Some of the larger companies who might offer many of the previously listed discounts possibly include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Before you buy a policy, ask each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies everywhere.

Free insurance coverage rate quotes

When shopping for cheaper car insurance quotes, there are a couple of ways of comparing price quotes from companies that offer insurance coverage in your state. The recommended way to find affordable 2022 Volvo S60 insurance rates consists of shopping online. This is very easy and can be done by using one of the methods below.

If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison. This form keeps you from doing separate quotes for each price estimate. Completing one form gets insurance cost estimates from many national carriers.

A slightly less efficient method to compare prices requires you to visit the website for each individual company and request a quote. For examples sake, we’ll assume you want to compare rates from State Farm, Farmers and Allstate. To get each rate you have to navigate to each company’s site to enter your coverage information, and that’s why the first method is more popular.

The least efficient and most time consuming method to comparison shop rate quotes is to spend time driving to local insurance agencies. Quoting and buying insurance online eliminates this option unless you have a complicated situation and need the professional assistance of a licensed agent. If you prefer, some companies allow you to get prices online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just be sure to compare nearly identical coverage information for each price quote. If each company quotes different coverage information it will be nearly impossible to determine the lowest rate for your Volvo S60. Quoting even small variations in limits may cause a big price difference. Just keep in mind that comparing more quotes increases the change that you will find the best offered rates.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining if you could use an agent’s help.

  • Does car insurance cover theft of personal property?
  • Who is covered by my policy?
  • When should I buy a commercial auto policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Is upholstery damage covered by car insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Does my policy pay for OEM or aftermarket parts?
  • What is PIP insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Car insurance coverages for a 2022 Volvo S60

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive auto insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed, hail damage, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.


This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, court costs, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your S60 resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, chiropractic care, surgery and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Volvo S60.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage on a shoestring budget

In this article, we presented many ways to compare 2022 Volvo S60 insurance rates online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a lesser-known regional company. Regional companies often have lower car insurance rates on specific markets than their larger competitors like GEICO and State Farm.

Some companies don’t offer rate quotes online and usually these small insurance companies only sell through independent agents. Affordable 2022 Volvo S60 insurance is possible on the web as well as from insurance agents, and you should compare price quotes from both to have the best rate selection.

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