2011 Volvo XC90 Car Insurance Quotes – 6 Ways to Save

Looking for better insurance coverage rates for your Volvo XC90? Pricey Volvo XC90 insurance can deplete your accounts and force you to prioritize other expenses. Doing a rate comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Insurance companies such as Progressive, Geico and Farmers Insurance constantly blast consumers with advertising and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

It’s a good habit to shop coverage around before your policy renews because insurance coverage prices change regularly. Even if you got the lowest price for XC90 insurance last year a different company probably has better rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to know the best way to shop their coverage around over the internet.

Affordable insurance coverage rate quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each company.

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

One minor caviat to using this type of system is you don’t know exactly the insurers to get pricing from. If you prefer to choose from a list of companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but be sure you’re using the same coverage data for each comparison quote. If the quotes have mixed coverages you can’t possibly make an equal comparison.

Well known brands might not be cheapest

Consumers can’t avoid all the ads that promise big savings from the likes of State Farm, Geico and Progressive. They all seem to make the same claim of big savings if you change your coverage.

But how can every company give you a lower rate? This is how they do it.

All companies have underwriting criteria for the type of insured that is profitable for them. For example, this type of risk profile may be between the ages of 30 and 50, has a clear driving record, and has a short commute. A driver who matches that profile will probably get cheap prices and most likely will save a lot of money.

People who are not a match for the ideal profile will be quoted a more expensive rate which translates to the customer not buying. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much. That’s why companies can truthfully lure you into getting a quote. This emphasizes why drivers must compare many company’s rates. Because you cannot predict which insurance coverage company will fit your personal profile best.

Double check you’re getting with these six discounts

Some companies don’t necessarily list all disounts very well, so the following list contains a few of the more common and the harder-to-find discounts that you may qualify for.

  • Good Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for XC90 insurance compared to accident prone drivers.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save a little off the medical payments premium.
  • Driver Training Discounts – Taking a course that instructs on driving safety may get you a small discount and also improve your driving technique.
  • Accident Waiver – This one is not really a discount per se, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Buying a policy with multiple vehicles on one policy could earn a price break for each car.

Don’t be shocked that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, you won’t be that lucky.

If you would like to see a list of insurance companies with the best discounts, follow this link.

Your situation helps dictate your coverage

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.

  • Am I getting all the discounts available?
  • When would I need additional glass coverage?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage when pulling a U-Haul trailer?
  • I have health insurance so do I need medical payments coverage?
  • How much can I save by bundling my policies?
  • Am I covered if I crash into my own garage door?
  • How do I insure my teen driver?
  • What is UM/UIM insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverages

Learning about specific coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average car insurance policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as ambulance fees, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your XC90 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, 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.

Liability – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a bird, rock chips in glass, falling objects and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More comparisons equals lower rates

You just read many tips how you can save on 2011 Volvo XC90 insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the biggest savings come from the least-expected company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. Your goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Additional information is located at the links below