2016 Volvo XC90 Insurance Quotes – 5 Ideas for Cheaper Rates

Looking for the cheapest car insurance rates for your Volvo XC90? Are you tired of sacrificing other expenses to pay high car insurance rates every month? You are in the same boat as the majority of other drivers.

Companies like Geico, 21st Century and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you have car insurance now, you should be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is not rocket science. Nevertheless, consumers must learn how companies compete online.

Cheap insurance

There are several ways to compare prices from lots of insurance companies. By far the easiest way to find the cheapest 2016 Volvo XC90 insurance rates is to jump online and get quotes. It is quite easy and can be accomplished in several different ways.

1. One of the best ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This style of form saves time by eliminating boring form submissions for each company. One simple form will return quotes instantly.
2. A less efficient way to get quotes online requires a visit to the website for each individual company and get a separate price quote. For examples sake, let’s assume you want to compare rates from Nationwide, Allstate and Farmers. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

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

It’s your choice how you get your quotes, but do your best to enter the same information for every company. If the quotes have higher or lower deductibles it will be impossible to determine which company has the best rates. Slightly different limits could mean much higher rates. Keep in mind that comparing a wide range of rates helps increase your odds of locating the best rates. Some regional insurers cannot provide online price quotes, so you also need to get rates from those companies as well.

Insurance coverage rates and discounts

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden credits that may apply to you. If you don’t get every credit you qualify for, you could be saving more on your insurance coverage.

• Defensive Driver Discount – Taking time to complete a safe driver course could save 5% or more if you qualify.
• Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% for XC90 insurance than drivers with accident claims.
• Paperwork-free – A few larger online companies will provide an incentive for buying a policy and signing up on your computer.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.
• Distant Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle could qualify for this discount.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The best insurance coverage companies and their possible discounts are:

• State Farm may have discounts that include defensive driving training, student away at school, safe vehicle, accident-free, driver’s education, multiple policy, and Steer Clear safe driver discount.
• American Family offers discounts for TimeAway discount, accident-free, good student, bundled insurance, early bird, and Steer into Savings.
• Geico policyholders can earn discounts including five-year accident-free, defensive driver, federal employee, multi-policy, anti-lock brakes, membership and employees, and seat belt use.
• 21st Century has savings for driver training, 55 and older, good student, teen driver, and air bags.
• Progressive has discounts for good student, continuous coverage, multi-policy, online quote discount, and multi-vehicle.

Before buying, ask all the companies which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area. To see a list of companies with the best discounts, click here.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

• How can I get my company to pay me more for my totalled car?
• Is business equipment covered while in my vehicle?
• Do I need roadside assistance coverage?
• What is PIP insurance?
• How can I force my company to pay a claim?
• When would I need additional glass coverage?
• Why am I required to get a high-risk car insurance policy?
• What if I total my 2016 Volvo XC90 and owe more than it’s worth?
• Is my babysitter covered when using my vehicle?
• Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages and their meanings

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Volvo XC90.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

This coverage will pay to fix damage to your XC90 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses like dental work, prosthetic devices, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like medical expenses, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.