View 1991 Volvo 940 Car Insurance Quotes

Finding low-cost insurance for a Volvo 940 can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for insurance coverage and we’ll show you the quickest way to compare rates for a Volvo and get the cheapest rates either online or from local insurance agents.

Locating the lowest cost protection is quite easy. If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. Drivers just need to learn the proper methods to shop their coverage around on the web.

The best way we recommend to compare car insurance rates is to understand most larger insurance companies actually pay money for the chance to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details like distance driven, if you lease or own, your education level, and which vehicles you own. Those rating factors is then sent to insurance carriers in your area and you should receive rate quotes immediately.

To compare rates for your 1991 Volvo 940 now, click here then complete the form.

What determines Volvo 940 insurance rates?

Multiple criteria are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but others are more transparent such as whether you are married or your financial responsibility.It’s important that you understand the different types of things that are used to determine your insurance coverage rates. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may result in lower insurance coverage prices.

The following are most of the major factors that factor into your rates.

  • How many coverages with the same company – Some companies give a discount for people that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, drivers will still want to shop around to help guarantee you have the best rates.
  • Certain jobs raise rates – Careers such as judges, business owners and financial analysts are shown to have higher rates than the rest of us attributed to high stress levels and lots of time spent at work. On the flip side, careers like scientists, athletes and homemakers receive lower rates on 940 insurance.
  • Claim-free discounts can add up – Car insurance companies provide discounts to people who only file infrequent claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Gender matters – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women are in auto accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI. Young men ages 16 to 20 tend to get in the most accidents so it costs more to insure them.
  • Better insurance coverage rates on safer vehicles – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy. If the Volvo 940 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Advanced GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can get you a discount on your insurance coverage. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Raise comp and collision deductibles and save – Comprehensive and collision coverage deductibles are how much you are willing to pay before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are colliding with a stationary object, collision with a deer, and damage from wind. The larger the amount you are required to pay out-of-pocket, the less money you will pay for insurance coverage on 940 insurance.

You may qualify for discounts

Some companies do not advertise all possible discounts in a way that’s easy to find, so the list below details both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

  • First Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and GEICO permit an accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • Discount for Low Mileage – Maintaining low annual mileage could qualify for better rates on cars that stay parked.
  • Savings for New Vehicles – Buying coverage on a new vehicle can save you some money due to better safety requirements for new vehicles.
  • Professional Memberships – Being in a qualifying organization is a simple method to lower premiums on your policy.
  • Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

Auto insurance companies that may have most of the discounts above include:

When quoting, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. To locate companies that offer discounts, click here.

There’s no such thing as the perfect insurance policy

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation might need professional guidance.

  • Is my teenager covered with friends in the car?
  • What is an SR-22 filing?
  • Does my insurance cover a custom paint job?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have newly-aquired coverage?
  • Are rock chip repairs covered?
  • Do I have coverage when making deliveries for my home business?
  • How much can I save by bundling my policies?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, fire damage, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like surgery, prosthetic devices, dental work, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability coverage – This will cover damage that occurs to people or other property. It protects YOU against other people’s claims. Liability doesn’t 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 limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like legal defense fees, medical expenses, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

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 very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Make an honest buck

We just presented many tips how you can compare 1991 Volvo 940 insurance premium rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even discover the best premium rates are with some of the lesser-known companies.

Cheap 1991 Volvo 940 insurance is attainable from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide price quotes online and these regional insurance providers only sell through local independent agents.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

For more information, link through to the following helpful articles:

Comments About 1991 Volvo 940 Insurance

  1. Mei Waller

    Good detail in your article. Live in the northern part of Huntington, WV. Got prices from Amica, MetLife, and a few others for my 940 and I’m now saving $18 a month. Ask about discounts. They offer free online rate quotes. Anyone else drop full coverage?

  2. Carmela Gordon

    From northwest of San Diego, CA. Received rates from State Farm, GMAC, and Eastwood for my 1991 Volvo 940 and I’m now saving $17 a month. Left Esurance to switch. I’m a pretty good driver though. I got prices on the web.

  3. Casandra Payne

    Nice post. I live east of Las Cruces, NM. Got car insurance quotes from State Farm, American Family, Encompass, and The General for my 940 and saved $106 a year. Good savings if you bundle. Are quotes cheaper online? Only insure liability on my 940.

  4. Salvador Pittman

    Where is cheaper car insurance? From north side of Los Angeles, CA. Compared rates from a lot of places. Saved about $20 a month. State Farm was the cheapest for me.

  5. Millicent Lynn

    If you don’t have tickets and live in the vicinity of Memphis, Tennessee, check out Progressive. You might get cheaper rates. I have a teen driver too. They offer free online rate quotes. I dropped full coverage awhile back.

  6. Alecia Rowland

    Hope my rates come down. Proud to be from Milwaukee, WI. I got free rates from American Family, Sentry, and a few others for my Volvo and saved $63 a year. Insured with Amica before.

  7. Rose Webb

    I went with 21st Century at renewal. Best rates in New Haven, CT. I only have liability coverage on it.

  8. Hong Collier

    Hope my rates come down. Went with Eastwood for my Volvo and cut my rates about $90 a year. I get multi-vehicle and multi-policy discounts.

  9. Dick Clemons

    Good site, thanks. Got a quote with Allstate for my Volvo and saved around $110 a year. Only insure liability on my 940.

  10. Ellena Hall

    Do I have to have car insurance in Hawaii?

  11. Bradley Odonnell

    Will GEICO give discounts for good grades?

  12. Devora Fields

    I compared a lot of rate quotes for a 1991 Volvo 940 in Cranston, RI. Ended up at roughly $70 every six months with AAA. Was with Western Auto Insurance. I think I’ll get rid of full coverage next time.

  13. Ruben Dawson

    I found pretty cheap rate quotes for a 1991 Volvo 940 in Mesa, AZ. Ended up at roughly $110 every six months with AAA. Have an at-fault accident tho. :P I just carry liability insurance.

  14. Eleanor Farrell

    Cheapest quote for my 1991 Volvo 940 was with Farmers. Insured with Nationwide before. Online quotes are the way to go. Just liability coverage since it’s getting old.

  15. Karmen Mcclain

    I switched to 21st Century. Quoted good rates in Mesa, Arizona. A clean driving record helps. :)

  16. Zandra Holloway

    Not sure what I should be paying. From northwest of Cedar Rapids, IA. Got free quotes online for a 1991 Volvo 940. Ended up at about $90 savings annually. Went with GEICO. Was with GMAC. A clean driving record helps. Online quotes are the way to go.

  17. Pamala Campbell

    Does State Farm have good customer service?