2017 Volvo S90 Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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 29, 2024

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Trying to find better insurance coverage rates for your Volvo S90? Pricey Volvo S90 insurance can bleed your budget and force you to prioritize other expenses. Doing a price comparison can save money and help to cut your insurance bill.

Many auto insurance companies vie for your business, so it can be very hard to choose a insurance company and get the best coverage at the lowest rate

Lower rates by qualifying for discounts

Companies do not list the entire discount list in a way that’s easy to find, so the list below contains a few of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

  • Distant Student – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
  • Save with More Vehicles Insured – Having more than one vehicle on one policy could earn a price break for each car.
  • Include Life Insurance and Save – Select insurance carriers reward you with a small discount if you purchase a life policy as well.
  • Sign Early and Save – Some insurance companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Own a Home and Save – Owning a home can help you save on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.

Drivers should understand that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best insurance companies and some of their more popular discounts are:

  • Progressive may offer discounts for good student, continuous coverage, online quote discount, online signing, homeowner, multi-policy, and multi-vehicle.
  • MetLife includes discounts for accident-free, multi-policy, claim-free, good driver, and good student.
  • Mercury Insurance discounts include accident-free, location of vehicle, ease of repair, professional/association, good driver, and multi-car.
  • Nationwide policyholders can earn discounts including business or organization, good student, family plan, accident-free, multi-policy, and easy pay.
  • GEICO offers discounts including multi-policy, defensive driver, membership and employees, driver training, and emergency military deployment.
  • AAA may include discounts for education and occupation, good student, anti-theft, pay-in-full, AAA membership discount, good driver, and multi-policy.

Before you buy a policy, ask every insurance company to apply every possible discount. Some discounts listed above might not apply in your area. To find insurance companies with significant discounts, enter your zip code here.

Where can I get cheap auto insurance?

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm give coverage price quotes from their websites. Getting prices online is fairly straightforward as all you need to do is type in as requested by the quote form. Once entered, their quoting system collects information on your driving record and credit history and returns a price quote based on the information you submitted. This makes it simple to compare prices but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to find the lowest possible prices on auto insurance.

The easy way to compare rates

The quickest way to compare rates is to use a quote form that gets price quotes from several companies at one time. The form is fast, helps eliminate repetitive entry, and makes online price comparison much easier. After your information is entered, it is quoted and you are able to buy any one of the quote results.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To find out what other companies charge, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information as shown on your current policy. This guarantees you are getting an apples-to-apples comparison for the exact same coverage.

Lower insurance rates with these tips

Many things are taken into consideration when quoting car insurance. Some are obvious like your driving record, although others are less obvious like where you live or how financially stable you are.

  • Theft deterrents save – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
  • Marriage is a factor – Having a significant other actually saves money on your policy. It is viewed as being more stable financially and insurance companies like that married drivers get in fewer accidents.
  • More mileage equals more premium – The more miles you rack up on your Volvo each year the higher your rate. The majority of insurers price each vehicle’s coverage based upon how much you drive. Autos that have low annual miles qualify for better rates than vehicles that are driven to work every day. An improperly rated S90 is throwing money out the window. It’s a good idea to make sure your vehicle rating states the correct usage for each vehicle.
  • Small frequent claims are not good – If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Companies give cheaper rates to drivers who do not file claims often. Insurance coverage is intended for claims that pose a financial burden.
  • Raising coverage deductibles saves money – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Volvo from damage. Some examples of covered claims could be colliding with a building, vandalism, and damage from a fallen tree branch. Comp and collision deductibles are the amount of money you are willing to pay if the claim is covered. The more of the claim you are required to pay out-of-pocket, the less money you will pay for insurance on S90 coverage.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out if your situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • How much liability insurance is required?
  • Can my teen drive my company car?
  • Are my friends covered when driving my 2017 Volvo S90?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my camper covered by my car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 2017 Volvo S90 need full coverage?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance buyers beware

Consumers can’t escape the ads that claim the lowest car insurance rates by Progressive, GEICO, Allstate and State Farm. All the companies convey the message about how much you will save if you move your coverage to them.

How is it possible that every company can charge less that you’re paying now? Here is how they do it.

Companies quote their cheapest rates for the type of customer that will most likely be profitable. For instance, a desirable risk should be a married female, has few claims, and the vehicle is rated for pleasure use. Someone that matches those criteria is entitled to the best price and will most likely save a lot of money.

Potential customers who do not meet this ideal profile will get higher prices which results in business not being written. The ad wording is “people who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that.

Because of the profiling, you should compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will have the lowest premium rates for your situation.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Collision coverage – This pays for damage to your S90 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, rolling your car, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a deer, a broken windshield, damage from flooding and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – This provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, loss of income, attorney fees, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like ambulance fees, funeral costs, X-ray expenses, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2017 Volvo S90.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liability limits.

Be a Smart Shopper

Lower-priced 2017 Volvo S90 insurance is available on the web as well as from insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some insurance coverage companies do not offer online price quotes and most of the time these smaller companies only sell coverage through independent insurance agencies.

We just presented many tips how you can reduce 2017 Volvo S90 insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap auto insurance. You may even find the lowest prices come from a company that doesn’t do a lot of advertising. These companies often have lower rates on specific markets than the large multi-state companies such as State Farm and Allstate.

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