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Discussion Starter · #1 ·
Wow,<p>Got the insurance paperwork for the Volvo today. Must say this is an unexpected benefit - the insurance for the Volvo is 10% less for my '97 BMW 540! And about half of the '01 Audi S4 it replaced...<br>Must be a lot of careful Vovlo drivers out there, and obviously the joyriders have not discovered the meaning of "R" yet.<p>Love it!<p> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/smile.gif" BORDER="0"> <br>
 

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Re: Cheap insurance!! (FastWgn)

My insurance company thinks that it's just another safe S60. I'm not going to tell them the difference. <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/biggrin.gif" BORDER="0">
 

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Re: Cheap insurance!! (FastWgn)

I pay $120 per month for my 2004 Volvo S60R and my 2004 Chrysler Pacifica. Granted there is a discount in there because my home is also covered by the same company (Central Insurance). No teen drivers or speeding tickets on record.<p>$100 deductible<br>Full coverage<p>They were great in handling the repairs on my R when I was struck by a truck tire tread and basically destroyed the sport kit on my car.<p>Hopefully this is a fairly good rate and I don't sound like an idiot!<br> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/biggrin.gif" BORDER="0"> <p>-Ben
 

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It all depends on the coverage. Someone else could be paying much less for "full coverage' with less coverage and higher deductables.
 

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Discussion Starter · #5 ·
Re: (R_Rated)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>R_Rated</b> »</i></TD></TR><TR><TD CLASS="quote">It all depends on the coverage. Someone else could be paying much less for "full coverage' with less coverage and higher deductables.</TD></TR></TABLE><p>Not sure if you are reasponding to my post or the ones below it, but in my case the coverage is identical, inclduing garage location, mileage etc. The only difference is the car itself.<br>Of course the absolute number varies with the coverage, but the relative differnece is still relevant, which is why I did not include any absolute numbers.<br>In addition, living in the People's Republic of Massachusetts, we have regulated insurance (all companies charge the same)... <IMG NAME="icon" SRC="http://www.vortexmediagroup.com/images/banghead.gif" BORDER="0"> <p>
 

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Discussion Starter · #6 ·
Re: Cheap insurance!! (DocG)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>DocG</b> »</i></TD></TR><TR><TD CLASS="quote">My insurance company thinks that it's just another safe S60. I'm not going to tell them the difference. <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/biggrin.gif" BORDER="0"> </TD></TR></TABLE><p>Or the punks locking for joyrides.... Esp the S4 is a magnet for those guys. They will trash your car, then leave it with the Xenon lights removed....<p> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/frown.gif" BORDER="0"> <p>
 

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You know, the S60R is about the same in price as my old S2000. I still can't understand how they are grouped in the same class no matter how the insurance company explains it.
 

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Re: Cheap insurance!! (FastWgn)

Having driven Volvos for years, I guess I have gotten used to it. The R was only a few dollars more than the T5, which was only a few dollars more than the old 850. I think we pay around $1,000 a year for the R and a minivan, $500 deductible, full coverage.<p>No tickets, no accidents, live in the country, older (over 40 years old) drivers.<p>
 

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Re: Cheap insurance!! (DocG)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>DocG</b> »</i></TD></TR><TR><TD CLASS="quote">My insurance company thinks that it's just another safe S60. I'm not going to tell them the difference. <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/biggrin.gif" BORDER="0"> </TD></TR></TABLE><p>They know exactly what type of engine (hp) you have by your VIN number. They will charge you accordingly.<br>
 

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Re: Cheap insurance!! (blackTT55)

In the woderful state of MA, the gov't controlls how much the insurance companies can charge. I was shocked (pleasantly) when I recieved my first insurance bill at how low it was. Apparently here in MA an R is treated no differently than a standard S60.
 

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i found out that a 1997 Buick Park Avenue is costs more than a 1999 Volvo C70 HPT and the R is cheaper than both of them(not combined of course).
 

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Re: Cheap insurance!! (DocG)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>DocG</b> »</i></TD></TR><TR><TD CLASS="quote">Apparently here in MA an R is treated no differently than a standard S60.</TD></TR></TABLE><p>That's great. I'm paying $600 per year for full coverage on my T5 but I also have a clean driving record and for some strange reason, if you have a college degree, you get a additional discount on top of that. <IMG NAME="icon" SRC="http://********************/smile/emthup.gif" BORDER="0"> <br>
 

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Re: Cheap insurance!! (blackTT55)

That's about what I'm paying too. <p><TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>blackTT55</b> »</i></TD></TR><TR><TD CLASS="quote"><br>for some strange reason, if you have a college degree, you get a additional discount on top of that. <IMG NAME="icon" SRC="http://********************/smile/emthup.gif" BORDER="0"> <br></TD></TR></TABLE><p>So in about 2000 years of insurance savings our college degrees will finally pay off! <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/wink.gif" BORDER="0">
 

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Discussion Starter · #14 ·
Re: Cheap insurance!! (blackTT55)

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD><i>Quote, originally posted by <b>blackTT55</b> »</i></TD></TR><TR><TD CLASS="quote"><br>...and for some strange reason, if you have a college degree, you get a additional discount on top of that. <IMG NAME="icon" SRC="http://********************/smile/emthup.gif" BORDER="0"> <br></TD></TR></TABLE><p>That would be interesting to see the accident numbers backing that up!<p>Maybe college graduates have less accidents since they understand the forces involved an accident? But then they also like the feeling of "power"?<p>But the average high school dropout probably has a higher percentage of their net worth in their car - shouldn't they then be driving more carefully??<p> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/sly.gif" BORDER="0"> <p>
 

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Re: Cheap insurance!! (FastWgn)

My last insured car through State Farm was a 1996 BMW 328IS with all of the Dinan goodies. I have a fairly clean record (1 speed 2 years ago) and the insurance for that car was 115.00 a month Complete full coverage with rentals and glass etc. 100.00 deductable. That car was 10 years old! Now with my 2004 S60R being brand new and alot faster I pay 99.00 a month for the exact same insurance. I do see on our coverage letter that they only referance this car as a "S60" No "R". I wonder if the insurance companies even recognize the "R". Anyways I was quite pleased to see a 9 year newer car coming in 16.00 a month less! <IMG NAME="icon" SRC="http://********************/smile/emthup.gif" BORDER="0"> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/cool.gif" BORDER="0"> If they ever found out how fast my car was they would triple the insurance! <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/smile.gif" BORDER="0">
 

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Re: Cheap insurance!! (Mash)

My State Farm rep shows my car as a Volvo S60 R Sedan and I am paying around 60 a month because I am bundled with my family vehicles (for now) and have all the extra discounts...no accidents, tickets, ABS, college degree, monthly plan (saves you a lot, BTW), higher deductible, renter's/life insurance and a few others.<p>It also helps that my insurance agent is a long time friend of the family. Also, Colorado is very good on car insurance. It ranks up there in the least accident state in the U.S.
 

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Discussion Starter · #17 ·
Re: Cheap insurance!! (pie_ya)

pie_ya,<p>Went to check out your picture link in your sig. Liek the wheels - HREs, right?<p>But what the heck happened to your brake discs? I have never seen a ventilation pattern like that? Or those slotts all the way through?
 

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Re: Cheap insurance!! (FastWgn)

those are 'E' slotted Evolve rotors<p><A HREF="http://www.evolvecars.com/site/index.php?id=103,304,0,0,1,0" TARGET="_blank">http://www.evolvecars.com/site...0,1,0</A><p>
 

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Re: Cheap insurance!! (FastWgn)

Yeah, they are the E slot rotors....don't know how they compare to longer single slot rotors. They don't seem to dig into the slots when I am braking as compared to a conventional single slot rotor.<p>I have single slot rotors on my Accord and I know how they feel and they don't feel that way with Evolve's E slot pattern...although braking is pretty good though I have no comparison with the stock rotors because I didn't have them on that long when I switched.<p>The HREs have been updated though I need to get some pics of my car. I am waiting on one exterior mod to arrive and also for the rain to stop (though we need it).<p>Don't buy HREs...they are really nice but a waste of money if you ask me....could be better spent elsewhere on things that matter.<p>Regards,<p>Paul
 

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Discussion Starter · #20 ·
Re: Cheap insurance!! (pie_ya)

<br>OK. I guess that shows my "newbie" status with the Volvo crew. <p> <IMG NAME="icon" SRC="http://www.vwvortex.com/vwbb/smile.gif" BORDER="0"> <p>I'm also not a big fan on the slotted rotors since you do get the grabbing effect at low speeds. Personally I'm a fan of the drilled rotors that have the holes casted into the rotor. Looks great and will not crack the way aftermarket drilled ones do. I use Zimmermann with great results on the BMW.
 
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