Ok already did a lot of research on this and I am confused but it looks like I have 13 speakers with the HU613. Iv read that HU613 only comes with 8 or so. I counted:
3 speakers on dash
3 speakers per front door
1 speaker per rear door
2 speakers on back "shelf"

Am I correct? I have the base model but with many options like wood grain on the steering wheel and doors ect.

 

ok, depending on package the most you would have would be 11.
However, Hu613 the most would be 10.
3 per front door = 6
1 per rear door = 2
2 at the rear deck = 2

Total = 10
This is only true if the car was purchased with the sound package (amplifier)

If your car doesn't have that package, then it only has 8 speakers

2 per front door = 4
1 per rear door = 2
2 at rear deck = 2

Total = 8

Now, unless you have an Hu618, there are absolutely no speakers in the dash.
The Hu618 has the surround mode wich has the center speaker in the center grill on the dash

 

Audio system - S60 2002 - Volvo Cars Accessories Web

High Performance Sound System, HU-603/613 - S60 2002 - Volvo Cars Accessories Web

Radio table - S60 2002 - Volvo Cars Accessories Web

 

Ok thank you I came to find out later on that two of the speaker covers that I thought were speakers were actually my front defrost.