View 2017 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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When searching for lower-cost insurance, do you get frustrated by the dozens of car insurance companies that you can choose from? You’re not alone. There are so many companies to choose from that it can turn into a lot of work to find the best premium rates.

It’s a good habit to do rate comparisons periodically since prices are constantly changing. Even if you think you had the lowest price on XC90 coverage last year you can probably find a better rate quote now. You can find a lot of misleading information regarding car insurance out there, but in a few minutes you can learn some of the best techniques to lower your car insurance bill.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Pricing the lowest cost car insurance is simple if you know the tricks. But car owners must understand how companies market insurance on the web and use this information to your advantage.

How to lower your insurance coverage cost

To find low cost insurance coverage quotes, there are several ways to get quotes from local insurance coverage companies. The best method to find cheaper 2017 Volvo XC90 rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison. This method eliminates the need for separate forms for each price estimate. One form gets coverage cost estimates from many national carriers. This is by far the quickest method.
  2. A harder way to compare rate quotes is to manually visit each company website and repeat the quote process again and again. For examples sake, let’s assume you want to see prices from USAA, Farmers and State Farm. You would need to navigate to each company’s site and enter your information, and that’s why the first method is more popular.
  3. The final way to find and compare rates is driving around to all the different insurance agencies. The fact that you can get quotes online eliminates this option unless you require the trained advice that you can only get from talking to an agent. It is possible with some companies comparison shop online and get advice from an agent in your area.

However you get your quotes, be certain you are entering apples-to-apples coverages and limits for every company. If you enter different deductibles you will not be able to make an equal comparison. Even a minor difference in coverages can result in a big premium difference. And when quoting insurance coverage, remember that comparing more company’s prices helps increase your odds of locating more affordable rates. Not every company does price estimates online, so it’s necessary to compare prices from them as well.

Save money by taking advantage of discounts

Auto insurance companies do not list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and the harder-to-find credits that you can use to lower your rates.

  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Payment Method – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
  • Theft Deterrent – Vehicles that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on XC90 coverage compared to rates paid by drivers with frequent claims.
  • Early Signing – Some larger companies provide a discount for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • Multiple Policy Discount – If you combine your auto and home policies and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discount for Life Insurance – Select insurance carriers reward you with a break if you buy auto and life insurance together.

Consumers should know that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut your policy cost.

To locate insurance companies with the best discounts, enter your zip code here.

How much insurance do I need?

When choosing coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out whether you may require specific advice.

  • Should I buy full coverage?
  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • Is a new car covered when I drive it off the dealer lot?
  • What is the ISO rating for a 2017 Volvo XC90?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Informed consumers can lower insurance rates

Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent such as whether you are married or how financially stable you are. An important part of buying insurance is that you know some of the factors that aid in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

  • File a car insurance claims and pay more – Insurance companies award the best rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is intended for claims that you cannot pay yourself.
  • Are you male or female? – The statistics show that females tend to be a little less risky than males. It does not mean men are worse drivers. Both sexes are in auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like driving under the influence (DUI).
  • Big city or small town – Having an address in smaller towns and rural areas of the country is a positive aspect when shopping for auto insurance. Urban drivers tend to have more road rage incidents and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents in addition to fewer liability claims.
  • Premiums are lower the older you get – Youthful drivers are statistically shown to be less responsible when driving with friends and because of this, their car insurance rates are much higher. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents .

Brand name doesn’t guarantee savings

Big name companies like GEICO, State Farm and Progressive continually stream television, radio, and online ads. All the companies make the same claim that you’ll save big if you switch your coverage to them. It sounds good, but how can they all charge lower premium rates? Here is how they do it.

All companies have specific criteria for the type of customer that will be a good risk. A good example of a preferred risk could possibly be married and over the age of 30, owns a home, and drives a lower-performance vehicle. A prospective insured who matches those parameters will qualify for the lowest car insurance rates and will probably save money with a new company.

Drivers who fall short of the ideal profile will be charged higher rates which usually ends up with business not being written. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can make it sound like they have such great prices.

This really illustrates why it is so important to get insurance coverage quotes from several different companies. It’s just not possible to know which insurance companies will give you the biggest savings.

What insurance coverages do you need?

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

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

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision – This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Shop smart and save

Insureds leave their current company for many reasons like questionable increases in premium, lack of trust in their agent, denial of a claim and policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Cheap 2017 Volvo XC90 insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer rate quotes online and many times these regional insurance providers work with independent agents.

You just read quite a bit of information on how to save on 2017 Volvo XC90 insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the lowest priced insurance coverage comes from a lesser-known regional company.

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