1998 Volvo S90 Car Insurance Rates – 8 Tips to Save

Trying to find low-cost insurance for a Volvo S90 could be difficult, but you can use the following methods and make it easy. There is a better way to compare car insurance rates and you need to know the quickest way to compare rates on a Volvo and obtain the lowest price from local insurance agents and online providers.

How much does auto insurance cost?

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each company then gives them pricing. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To use this form to compare rates click here to start a free quote.

The only downside to using this type of form is you can’t choose which carriers you want to price. So if you prefer to choose specific providers for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you compare nearly identical coverages and limits for every quote you compare. If your comparisons have differing limits it will be impossible to determine which company has the best rates.

Can you really save if you switch?

Consumers can’t avoid all the ads that claim the lowest premium rates by companies like State Farm, Allstate and Geico. All the ads convey the message about how much you will save just by moving your coverage to them.

How is it plausible that every one can sell you cheaper insurance coverage? It’s all in the numbers.

Most companies have underwriting criteria for the type of driver that will add to their bottom line. For example, a profitable customer may be over the age of 35, has never had a claim, and drives less than 5,000 miles a year. Any driver who matches that profile will probably get cheap prices and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will see higher premium rates and this results in the prospect going elsewhere. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save that much money. This is how companies can make the claims of big savings. That is why you really should do a rate comparison at every renewal. It’s just not possible to know with any certainty which company will have the lowest rates.

Insurance rates and discounts

Insurance can be pricey, but you might be missing out on some discounts that many people don’t even know exist. Some discounts will apply at the time you complete a quote, but once in a while a discount must be requested specifically in order for you to get them.

• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
• Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Military Rewards – Having a deployed family member could qualify you for better premium rates.
• Low Mileage – Maintaining low annual mileage could be rewarded with slightly better insurancerates than normal.
• Clubs and Organizations – Joining a professional or civic organization may earn a discount on your policy.
• Distant College Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
• Drivers Ed for Students – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.

Remember that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount should definitely cut your overall premium however.

A few popular companies and some of the discounts are:

• American Family policyholders can earn discounts including Steer into Savings, multi-vehicle, accident-free, TimeAway discount, and good driver.
• Farm Bureau has discounts for renewal discount, good student, 55 and retired, multi-policy, driver training, safe driver, and youthful driver.
• State Farm includes discounts for student away at school, anti-theft, driver’s education, passive restraint, Steer Clear safe driver discount, defensive driving training, and accident-free.
• Travelers offers premium reductions for multi-car, hybrid/electric vehicle, student away at school, continuous insurance, and driver training.
• The Hartford may have discounts that include vehicle fuel type, anti-theft, air bag, good student, driver training, and defensive driver.
• Geico has savings for seat belt use, driver training, multi-policy, membership and employees, defensive driver, anti-theft, and daytime running lights.
• Progressive offers discounts including homeowner, multi-vehicle, multi-policy, continuous coverage, and online quote discount.

If you are trying to find the cheapest auto insurance quotes, ask all companies you are considering to apply every possible discount. A few discounts might not be available to policyholders in your area. To locate providers with the best discounts, click here to view.

Situations that may require an agent’s advice

When buying adequate coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions might point out whether you would benefit from an agent’s advice.

• Are rental cars covered under my policy?
• Am I missing any policy discounts?
• Is a blown tire covered by insurance?
• What is no-fault insurance?
• When should I drop full coverage on my 1998 Volvo S90?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 1998 Volvo S90.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, dental work, funeral costs, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from getting keyed, hitting a deer and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage will pay to fix damage to your S90 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance can cover damage or injury you incur to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as court costs, repair bills for other people’s vehicles, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

In any little way, save everyday

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

People switch companies for a number of reasons such as high prices, poor customer service, not issuing a premium refund and an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented many ways to get a better price on 1998 Volvo S90 insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable auto insurance. You may even discover the biggest savings come from a smaller regional carrier.

Additional information can be found below:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Teen Driver Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)