2017 Volvo S90 Insurance Quotes – 9 Tips for Best Rates

Searching for cheaper car insurance rates for your Volvo S90? If you are a novice to online car insurance shopping, it’s easy to get confused by the large number of car insurance companies competing for your business.

You should take the time to do rate comparisons yearly since rates are rarely the same from one policy term to another. Just because you found the best premium rates on S90 coverage six months ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the fastest way to lower your annual insurance bill.

Insurance coverage quotes comparison

There are several ways to compare insurance coverage prices but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to get prices fast.

Many of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quote forms to each company.

To find out what other companies charge click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose which companies to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you are using the exact same coverages on every quote you get. If you enter different data it will be nearly impossible to find the best deal for your Volvo S90. Slightly different coverages may result in a large different in cost. And when comparing insurance coverage rates, know that comparing a large number of companies will increase your chances of finding a lower rate than you’re paying now. Not every company provides quotes online, so you should also compare price quotes on coverage from those companies, too.

More affordable rates with these nine discounts

Insurance coverage can be pricey, but you may find discounts to cut the cost considerably. Some of these disounts will be visible when you get a quote, but some need to be asked about prior to receiving the credit. If you don’t get every credit available, you are throwing money away.

• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because new vehicles are generally safer.
• Homeowners Discount – Being a homeowner can get you a discount because maintaining a house requires a higher level of personal finance.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
• College Student Discount – Kids who live away from home at college and do not take a car to college may be able to be covered for less.
• No Claim Discounts – Drivers who stay claim-free have much lower rates as opposed to policyholders that have many claims.
• Low Miles Discount – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
• Policy Bundle Discount – If you combine your homeowners and auto policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on one policy qualifies for this discount.
• Early Switch Discount – Some insurance coverage companies give discounts for switching to them prior to your current policy expiration. You may see this discount when you get insurance quotes online.

Don’t be shocked that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works. But any discount will cut the cost of coverage.

A list of insurance coverage companies and their offered discounts are shown below.

• Progressive discounts include multi-vehicle, online signing, good student, multi-policy, and homeowner.
• MetLife may include discounts for good driver, good student, multi-policy, claim-free, accident-free, and defensive driver.
• Mercury Insurance may have discounts that include low natural disaster claims, age of vehicle, location of vehicle, multi-policy, multi-car, and professional/association.
• Nationwide offers premium reductions for multi-policy, good student, family plan, easy pay, and defensive driving.
• Geico includes discounts for good student, multi-vehicle, anti-theft, driver training, membership and employees, and emergency military deployment.
• AAA may offer discounts for AAA membership discount, anti-theft, good student, education and occupation, pay-in-full, multi-policy, and good driver.

When comparing rates, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of insurance companies that provide some of the discounts listed above, click here to view.

Insurance can be complex

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Does coverage extend to a rental car in a foreign country?
• I don’t drive much so do I pay less?
• Do I have coverage when making deliveries for my home business?
• Should I drop comprehensive coverage on older vehicles?
• When should I not file a claim?
• Should I have combined single limit or split liability limits?
• How much liability insurance is required?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage basics

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

This coverage will cover damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, emergency aid, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, chiropractic care and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 S90.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage

Collision coverage pays for damage to your S90 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole, crashing into a ditch, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.