2018 Volvo XC90 Insurance Quotes in 2024 – 8 Tricks for Cheaper Rates

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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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Looking for lower insurance rates for your Volvo XC90? Finding low-cost insurance for a Volvo XC90 can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for insurance and we’ll show you the best way to compare rates for a Volvo and get the lowest price either online or from local insurance agents.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. Finding affordable car insurance coverage is easy if you know what you’re doing. Drivers just need to know the most effective way to compare company rates online.

Buy car insurance online

Effectively comparing car insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many companies take part in a program that allows shoppers to complete one form, and each participating company returns a competitive quote based on that data. This system prevents you from having to do repetitive form submissions for each company.

To use this form to compare rates enter your zip code here.

The single downside to using this type of system is you don’t know exactly which companies to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest car insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just be sure to compare equivalent coverage limits and deductibles for every quote you compare. If you enter different liability limits it will be nearly impossible to find the best deal for your Volvo XC90.

Verify you’re earning every discount

Companies don’t list all available discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount you qualify for, you are throwing money away.

  • One Accident Forgiven – This one is not really a discount per se, but some companies like State Farm, Progressive and GEICO allow you one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
  • Distant Student Discount – who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Braking Control Discount – Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Military Discounts – Being deployed in the military could mean lower premium rates.
  • Smart Student Discounts – This discount may save you up to 25%. The discount lasts well after school through age 25.
  • Renewal Discounts – A few companies allow discounts for renewing your policy before your current coverage expires. This can save 10% or more.

Don’t be surprised that some of the credits will not apply to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way.

To find insurers who offer insurance discounts, enter your zip code here.

When should I discuss my situation with an agent?

When choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Can I make deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I find high-risk insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen drive my company car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability insurance

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, funeral expenses, bail bonds, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for prosthetic devices, doctor visits, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, damage from flooding and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your XC90 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Compare but don’t skimp

Insureds who switch companies do it for any number of reasons including policy cancellation, delays in paying claims, high rates after DUI convictions and even unfair underwriting practices. Regardless of your reason for switching companies, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the best price while not skimping on critical coverages.

We just showed you a lot of information how to shop for 2018 Volvo XC90 insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper insurance coverage. You may even discover the lowest rates are with a lesser-known regional company.

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