2013 Volvo XC90 Car Insurance Quotes – 9 Policy Discounts

Looking for the cheapest car insurance rates for your Volvo XC90? Are you tired of paying out the nose to keep your car insured? You’re in the same situation as the majority of other vehicle owners.

Lots of insurers contend to insure your vehicles, so it’s not easy to compare every company to discover the definitive best price available.

It’s a great practice to price shop coverage yearly since prices fluctuate regularly. If you had the lowest rates for XC90 insurance six months ago the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to lower your rates without sacrificing coverage.

Buy car insurance online

There are several ways to compare rate quotes from many available car insurance companies in your state. The recommended way to compare Volvo XC90 insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  1. Without a doubt, the easiest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This quick form prevents you from having to do separate quote forms for every prospective company. Filling out one form will get you price quotes direct from many companies.
  2. A harder way to find lower rates requires a trip to each company’s website and repeat the quote process. For instance, let’s say you need rates from Progressive, Allstate and GEICO. To get each rate you have to spend time going to each site individually and type in your information over and over, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, be sure you’re using nearly identical quote data for each price quote. If you enter mixed coverages you will not be able to determine which company has the best rates. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies helps improve the odds of finding the best rates.

Do you qualify for these nine discounts?

Companies that sell car insurance don’t always advertise all available discounts very clearly, so we researched some of the best known as well as the least known discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Telematics Data – Drivers who agree to allow driving data submission to look at their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Switch and Save Discount – A few insurance companies offer discounts for buying a new policy prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations could trigger savings on your next car insurance statement.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 25 to 30%.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
  • Braking Control Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive better car insurance rates for XC90 insurance.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.

One thing to note about discounts is that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will definitely lower the amount you have to pay.

To locate providers that offer the discounts shown above, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Do I need replacement cost coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when driving on a suspended license?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need motorclub coverage?
  • How can I force my company to pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Big brands don’t always mean big savings

Insurance coverage providers like Allstate, GEICO and Progressive endlessly run ads on television and other media. They all seem to seem to make the promise about how much you will save just by moving your insurance coverage policy to them. But how can every company charge less that you’re paying now? It’s all in the words they use.

Many companies look for specific characteristics for the type of driver that earns them the highest profit. For example, this type of insured might be described as between the ages of 30 and 45, has never had a policy lapse, and has excellent credit. Any person that hits that “sweet spot” receives the best prices and have a good chance to save a lot if they switch.

Potential customers who fall outside these criteria must pay a more expensive rate and this results in the customer buying from a different company. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can state the savings. Because every company is different, it’s extremely important to do a quote comparison often. It is impossible to predict which insurance companies will have better premium rates than you’re paying now.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, prosthetic devices and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This will pay to fix damage to your XC90 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volvo XC90.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage – Liability coverage can cover damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as bail bonds, attorney fees, repair bills for other people’s vehicles, medical services and structural damage. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

You can do this!

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your strategy should be to buy enough coverage at the best price, but do not skimp to save money.

In this article, we presented some good ideas how you can save on 2013 Volvo XC90 insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even find the best rates are with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

For more information, link through to these articles:

Comments About 2013 Volvo XC90 Insurance

  1. Eusebio Guthrie

    Cheaper not always better. From west side of San Diego, California. I don’t recall every quote but I ended up saving about $30 each month. Thankfully I’m not a high risk driver.

  2. Lola Blanchard

    Cheap is not always the best policy. I’m just south of Jersey City, NJ. Not sure of all the companies but I ended up saving about $70 each month. Left Sentry to switch.

  3. Elizbeth Mccray

    I live in a small town just outside of Saint Louis, MO. I quoted with Progressive, AAA, and some I forget for my Volvo and cut my rates about $300 a year. I’m a pretty low risk driver. Not sure about claim service.

  4. Carlena Gentry

    I live in a small town just outside of Columbus, Ohio. Quoted quotes from Amica, Safeco, and some smaller one I can’t remember the name of for my XC90 and saved $489 a year. Online quotes are the way to go.

  5. Tia Lee

    Thought I’d throw in my experience. Live in the northern part of Charleston, SC. I quoted with Amica, Safeco, and Travelers for my Volvo and I’m now saving $19 a month.

  6. Agnus Foley

    Lots of useful info here. Proud to be from Chicago, IL. Quoted quotes from GEICO, American Family, and some I forget for my Volvo and I’m now saving $36 a month. Insured with Progressive before.

  7. Kyle Castillo

    Cheap is relative. I live just outside Charlotte, North Carolina. Can’t remember who all I quoted but I ended up saving about $40 each month. Left Eastwood to switch. Online quotes are the way to go.

  8. Larissa Griffith

    I can’t pay high rates. I’m in the west part of Warwick, Rhode Island. Checked online prices for a 2013 Volvo XC90. Ended up at about $130 savings annually. Went with GEICO. Not sure if rates are cheaper online or not.

  9. Anabel Ochoa

    $100 to anyone who understands their policy.

  10. Jolynn Harmon

    Enjoyed the article. From Hilo, HI. Quoted with State Farm, Erie, and The General for my XC90 and saved just over $390 a year. They have a lot of discounts available. Wish I didn’t have to insure at all.

  11. Carey Hoover

    I live in Miami, Florida. I got free quotes from American Family, Sentry, and some smaller one I can’t remember the name of for my Volvo and saved $287 a year. Thankfully I have a good driving record.

  12. Marie Fowler

    Does New Jersey require me to have car insurance?

  13. Gino Serrano

    I’m just east of Warwick, RI. Received quotes from Allstate, Farmers, and Liberty Mutual for my Volvo and saved $151 a year. Good multi-policy discounts. :)

  14. Hortense Morton

    Went with Liberty Mutual for my Volvo and am saving around $140 a year. Are quotes cheaper online?