When choosing a car its safety record should be something that you think about. If you do put any thought into it you will find that any list of the safest cars almost always contains several Volvos. There are a few reasons for this but ultimately it all comes down to the fact that the company makes a serious effort to ensure that the cars that they produce are some of the safest on the road.
The thing that makes a Volvo a safe car is that it is designed that way. The company has long been at the forefront when it comes to making sure that their cars are safe. As a result they are constantly developing new safety 
features that are added to their car. Many of the features that are now common on all cars first appeared on a Volvo and this is something that has been true for decades. Even today they are putting a great deal of effort into designing the safest cars that they can.
A big part of the safety of a Volvo is that it is so solidly built. There are few cars on the road that are as strong as a Volvo. That being said in recent years most of the effort has gone into features that are designed to avoid accidents. This can range from anti lock brakes to traction control to collision avoidance systems. Clearly the best way to avoid injuries in an accident is to not have the accident and this is something that Volvo has worked very hard to make sure that it doesn’t happen.
One of the side benefits of building such safe cars is that they are quite affordable to insure. The biggest factor in the cost of car insurance is the likelihood that a particular vehicle will be involved in accident. Actuaries compile all kinds of data on how many accidents each type of car is involved in and how much damage is done when one does occur. Over the years Volvo’s have pretty consistently been considered to be amongst the least likely to be involved in an accident and this is reflected in the insurance rates that are charged to drivers of them.
One of the other reasons that Volvo’s car cheap to insure is because they have a reputation for being safe cars. They tend to attract drivers who are concerned about safety which tends to make them safer drivers. This helps to result in lower insurance. It is a bit of a chicken and an egg thing since you can argue that Volvo’s are safer since they attract safe drivers. Regardless the fact that you have chosen a Volvo is taken as a sign that you are a safe driver by the insurance company and it results in your having to pay a lower rate.