Compare 2023 Volvo XC90 Insurance Rates 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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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Want cheaper insurance coverage rates for your Volvo XC90? No one gets a kick out of paying for insurance coverage, especially when they know the prices are way too high.

People have so many auto insurance companies to buy insurance from, and even though it’s nice to have a selection, more choices can make it harder to find the best rates for your vehicles.

You need to do rate comparisons at least once a year because insurance prices trend upward over time. Even if you think you had the lowest price on XC90 insurance on your last policy you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage out there, but in a few minutes you can learn a lot of great tips on how to lower your insurance coverage bill.

The method we recommend to compare insurance rates from multiple companies is to know the fact almost all companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details including the make and model of your vehicles, whether your vehicle is owned or leased, types of safety features, and whether you are married. That information gets sent immediately to multiple different insurance companies and they return quotes within a short period of time.

If you would like to compare rates now, click here and find out if you can get cheaper insurance.

Can switching companies really save?

Big name companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to have a common claim of big savings if you switch your policy. That’s great but how can every company save you money?

All companies have specific characteristics for a prospective insured that makes them money. For instance, this type of driver might be described as between the ages of 30 and 50, has few claims, and has great credit. Any driver that matches those criteria gets the lowest car insurance rates and will save money with a new company.

Insureds who may not quite match these stringent criteria will see higher premiums which results in the customer buying from a different company. The ads state “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can truthfully state the savings. Because of this risk profiling, you really should do a rate comparison at every renewal. You cannot predict with any certainty which company will have the best car insurance rates.

Get lower rates with discounts

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we researched both the well known as well as some of the hidden discounts that you may qualify for.

  • Active Military Service – Being on active duty in the military could qualify you for better premium rates.
  • Safe Driver Discounts – Safe drivers may save up to 50% more on XC90 insurance than less cautious drivers.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Home Ownership Discount – Just owning your own home can save you money since owning and maintaining a home requires a higher level of personal finance.
  • Accident Free – Drivers who don’t have accidents pay less when compared with insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Savings for New Vehicles – Putting car insurance coverage on a new car can be considerably cheaper because newer models are generally safer.

Remember that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will reduce your policy cost.

Auto insurance companies who may offer some of the discounts shown above possibly include:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • GEICO
  • SAFECO
  • Liberty Mutual

Before purchasing a policy, check with each company which discounts they offer. Depending on the company, some discounts may not be offered in your area.

What is the best insurance coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Should I buy full coverage?
  • Is my ex-spouse still covered by my policy?
  • Should I have combined single limit or split liability limits?
  • How do I buy GAP insurance?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when driving someone else’s vehicle?
  • Do I need an umbrella policy?
  • Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Car insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as prosthetic devices, nursing services, funeral costs, ambulance fees and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability can pay for things such as medical expenses, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection 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.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Feed the piggy bank

When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best possible price.

Budget-conscious 2023 Volvo XC90 insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and most of the time these small insurance companies work with independent insurance agencies.

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