1998 Volvo S90 Insurance Rates – 7 Policy Discounts

Trying to find the cheapest insurance for a new or used Volvo S90 can be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare car insurance rates and you need to know the quickest way to price shop coverage for a Volvo and locate the lowest possible price from both online companies and local agents.

These seven discounts can slash car insurance rates

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so we break down a few of the more well known and also the more inconspicuous discounts that may be available.

  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Discounts for Safe Drivers – Safe drivers can save up to 40% or more on their auto insurance quote on S90 coverage compared to rates paid by drivers with frequent claims.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Defensive Driver – Successfully completing a course that instructs on driving safety could save 5% or more and also improve your driving technique.
  • Accident Free – Drivers with accident-free driving histories pay less compared to insureds who have frequent claims or accidents.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
  • Distant Student – Children living away from home attending college and do not take a car to college may be able to be covered for less.

A quick disclaimer, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts should help reduce the cost of coverage.

Larger car insurance companies and their offered discounts are included below.

  • Progressive has discounts for online signing, multi-policy, homeowner, multi-vehicle, online quote discount, and continuous coverage.
  • AAA may offer discounts for pay-in-full, multi-car, multi-policy, AAA membership discount, good driver, and good student.
  • Farmers Insurance discounts include business and professional, pay in full, multi-car, electronic funds transfer, and distant student.
  • Geico offers discounts for military active duty, five-year accident-free, driver training, seat belt use, daytime running lights, and membership and employees.
  • Esurance includes discounts for anti-theft, DriveSense, paid-in-full, online shopper, Switch & Save, and claim free.
  • SAFECO may include discounts for bundle discounts, teen safe driver, homeowner, accident prevention training, safe driver, and anti-lock brakes.
  • State Farm offers premium reductions for anti-theft, passive restraint, Steer Clear safe driver discount, good driver, and defensive driving training.

If you want low cost auto insurance quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not be available in your area. For a list of insurance companies that offer the discounts shown above, click this link.

When do I need an agent’s advice?

When buying the best insurance coverage coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I hit a deer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • How many claims can I have before being cancelled?
  • Am I covered when driving someone else’s vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Tricks in insurance advertising

Consumers can’t avoid all the ads that claim the best car insurance rates from the likes of State Farm and Allstate. They all seem to advertise claims that people will save if you just switch your policy.

How do they all say the same thing? This is how they do it.

Companies quote their cheapest rates for the type of driver that will add to their bottom line. One example of this type of insured could be over the age of 45, has a low-risk occupation, and drives a vehicle with a low ISO rating. A driver that matches those criteria will get the preferred prices and is almost guaranteed to cut their rates if they switch.

Drivers who don’t qualify for those criteria will get higher rates and this can result in the customer buying from a different company. Company advertisements say “drivers who switch” not “all people who quote” save the amount stated. That’s the way insurance companies can make claims that they all have the best rates.

That is why you really need to compare free auto insurance quotes often. It is impossible to predict which insurance company will provide you with the cheapest prices.

Educate yourself about car insurance coverages

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, hitting a bird, vandalism and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volvo S90.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Coverage for liability – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, loss of income and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, colliding with a tree, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like dental work, funeral costs, surgery and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

One last thing about your coverage

You just learned a lot of techniques to get a better price on 1998 Volvo S90 insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. You may even discover the most savings is with a small local company.

Drivers who switch companies do it for any number of reasons including denial of a claim, delays in responding to claim requests, delays in paying claims and high prices. Whatever your reason, finding the right car insurance provider can be pretty painless.

There are still a few companies who may not provide the ability to get quotes online and many times these regional insurance providers sell through independent agencies. Budget-friendly car insurance is attainable on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture.

Additional information can be found at these links: