Headlights Turn Off While Driving problems of the 2004 Volvo S40

The key does not turn all the way to turn the ignition - it's locked after turning I and ii (not to iii). I had to have the car towed. I could have been stranded in an unsafe area. I called Volvo customer service, but I was told it's not under warranty anymore. I went to youtube as to how I could fix it and found out quite a fee S40 owners have similar problems. I was told that the cost to fix this would run about $1000. I found a way to get around making it work by removing the steering cover, pull the ignition switch with a screw driver. Without the key on the ignition, it still poses a safety issues because what if the steering locks while I am driving? another issue is the suspension: the car feel as if it's falling apart. Twice we spent over a thousand for each occurrence. I'm quite certain there have a few complaints on similar issues. I would appreciate it very much if you could keep me in the loop if issues come up on this make, model and year we still own and keep on driving. I almost forgot, one of the head lights does not and even simple replacing with one after a bulb, still does not work. I guess it needs a trip to the dealership for them to figure it out. After all, sudden headlight failure while driving at night, is a serious safety issue. Thank you in advance for considering to take my issues.