Affordable Insurance for a Volvo S40 in Los Angeles

Insurance quote for Volvo S40 in Los AngelesWould you prefer to buy more competitive Volvo S40 insurance in Los Angeles? Nobody that owns a car likes having to buy insurance, especially when they know the cost is way too high.

We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Drivers who get comparison quotes once a year are very likely to switch companies because there is a significant possibility of finding more affordable rates. A recent survey discovered that consumers who faithfully checked for cheaper rates saved about $865 a year compared to other drivers who didn’t regularly shop around.

If finding the lowest rates on Volvo S40 insurance is your ultimate target, then having a good understanding the best ways to find and compare insurance coverage can make it easier for you to save money. There is such a variety of auto insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to adequately compare rates for Volvo S40 insurance in Los Angeles.

The method we recommend to compare rates for Volvo S40 insurance in Los Angeles utilizes the fact car insurance companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like whether you drive to work or school, the year, make and model of vehicles, whether you are married, and if you have a valid license. That rating information gets transmitted to multiple car insurance providers and you will get price comparisons immediately.

To check rates for your car now, click here and find out if you can get cheaper insurance in Los Angeles.

The companies shown below have been selected to offer comparison quotes in California. If multiple providers are shown, we suggest you visit as many as you can to get a more complete price comparison.

Volvo S40 coverage statistics

The data table shown below highlights detailed analysis of insurance prices for Volvo S40 models. Having knowledge of how insurance prices are determined can help guide drivers when making smart choices when selecting a coverage provider.

Volvo S40 Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
S40 2.4I $314 $546 $442 $26 $132 $1,460 $122
S40 T5 $314 $546 $442 $26 $132 $1,460 $122
S40 T5 AWD R-Design $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific location which can lower or raise premium rates significantly.

The chart below shows how choosing a deductible and can change Volvo S40 insurance premiums for different age groups. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

Rate increases following a ticket or accident

The example below demonstrates how citations and fender-benders can increase Volvo S40 insurance prices for each age group. The price estimates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Comparison of car insurance rates by gender and age

The information below shows the comparison of Volvo S40 auto insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no other discounts are factored in.

Cost comparison with and without full coverage

The illustration below visualizes the comparison of Volvo S40 insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no set rule to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% 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 S40 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your deductible. If you are currently paying more than $800 annually to have full coverage, then you might consider buying liability only.

There are some cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Don’t overlook these Volvo S40 insurance discounts

Car insurance companies don’t always list every discount available in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known credits that you can use to lower your rates.Insurance discounts

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

The information below illustrates the difference between Volvo S40 insurance premiums with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, safe-driver, and multi-car discounts applied.

A list of companies and the discounts they provide are included below.

When quoting, ask every insurance company which discounts you qualify for. Some credits might not be offered on policies in Los Angeles. To see a list of insurers that provide some of the discounts listed above in Los Angeles, click this link.

Why insurance is not optional

Despite the high insurance cost for a Volvo S40 in Los Angeles, maintaining insurance is mandatory in California but it also protects more than you think.

The benefits of having insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in California is overpaying over $810 a year so compare quotes from several companies at every policy renewal to ensure rates are inline.

Comparing prices from local Los Angeles auto insurance agents

Some people still prefer to get advice from a local agent and that is recommended in a lot of cases Good agents can help you choose the best coverages and help submit paperwork. A nice benefit of comparing rate quotes online is that you can obtain better rates and still have an agent to talk to.

Los Angeles insurance agentsTo help locate an agent, after submitting this simple form, your information is instantly submitted to local insurance agents that can provide free Los Angeles auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around since price quotes are sent instantly to you. If you want to quote rates from a specific company, you can always go to their quote page to submit a rate quote request.

Picking an insurance company should depend on more than just the bottom line cost. Here are some questions you might want to ask.

Pick the best car insurance agent in Los Angeles for you

If you would like to find an insurance agent, it’s important to understand the different agency structures to choose from. Insurance agents in Los Angeles are considered either independent or exclusive. Both handle insurance, but it’s good to learn the difference between them because it can factor into the selection process.

Exclusive Insurance Agents

These type of agents work for only one company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive insurance agents receive extensive training in insurance sales and that enables them to sell even at higher rates.

The following is a list of exclusive insurance agents in Los Angeles that can give you price quotes.

Ted Hope – State Farm Insurance Agent
2049 W Manchester AveLos Angeles, CA 90047(323) 752-4885View Map

5683 York BlvdLos Angeles, CA 90042(323) 892-2880View Map

1247 S La Brea AveLos Angeles, CA 90019(323) 954-9763View Map

View more agents

Independent Agents

Agents in the independent channel can quote rates with many companies so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If prices rise, the agent simply finds a different carrier and you don’t have to do anything. If you are trying to find cheaper rates, we highly recommend that you check rates from several independent agencies so that you can do a thorough price comparison.

Listed below are Los Angeles independent insurance agencies willing to provide comparison quotes.

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

1801 S La Cienega Blvd Ste 201Los Angeles, CA 90035(310) 402-0020View Map

3349 Cahuenga Blvd W #2Los Angeles, CA 90068(323) 876-1980View Map

View more agents