View 2014 Volvo XC90 Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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Want better insurance rates for your Volvo XC90? Having to pay for expensive insurance can diminish your family’s budget and force you to make tough financial choices. Many auto insurance companies vie for your business, so it can be very hard to choose a company and uncover the absolute best price available.

You should take the time to get comparison quotes yearly due to the fact that insurance prices trend upward over time. Even if you think you had the best rates for XC90 coverage last year you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn the best way to reduce your cost while improving coverage.

Buy car insurance online

There are several ways you can shop for car insurance but some are easier and takes less work. You can waste hours talking to agents in your area, or you can utilize the internet to achieve your goal.

Most car insurance companies belong to an insurance system where prospective buyers send in one quote, and each participating company returns a competitive quote based on that data. This system prevents you from having to do quotation requests to every company.

To access this free quoting program, enter your zip code here.

The only drawback to doing it this way is buyers cannot specifically choose which companies to get quotes from. So if you want to select individual companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to enter zip code.

However you get your quotes, do your best to use identical coverages and limits for each price quote. If you are comparing different deductibles it’s impossible to determine which rate is truly the best.

Discounts can really help lower premiums

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts to reduce the price significantly. Most are applied at the time you complete a quote, but a few must be inquired about before they will apply.

  • Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn cheaper insurance rates.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Mature Driver Discount – If you qualify as a senior citizen, you could receive a slight reduction on a auto insurance quote for XC90 coverage.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class as it can save substantially.
  • Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less for XC90 coverage compared to rates paid by drivers with frequent claims.
  • Multi-Vehicle Discounts – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when shopping for insurance.
  • Student in College – who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.

You should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will reduce your policy premiums.

Some of the insurance companies who might offer most of the discounts above include:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate
  • GEICO

When comparing rates, check with each company or agent to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. If you would like to see a list of providers that offer multiple discounts, enter your zip code here.

Will just any policy work for me?

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • Does liability extend to a camper or trailer?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • When do I need to add a new car to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volvo XC90.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

Collision insurance covers damage to your XC90 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, damaging your car on a curb, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for EMT expenses, prosthetic devices, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability can pay for things such as pain and suffering, loss of income and legal defense fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.

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