2017 Volvo XC90 Insurance Rates – 5 Ways to Save

Trying to come up with a payment for expensive auto insurance can dry up your savings account and force you to make tough financial choices. Doing a rate comparison is a fast and free way to lower your monthly bill.

Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the lowest price

It’s a great practice to take a look at other company’s rates before your next renewal since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for XC90 coverage on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the things you must know in order to lower your annual insurance bill.

How to get free insurance quotes online

Most major insurance companies provide pricing direct online. Getting online rates is easy for anyone as you simply enter into a form. After the form is submitted, the company’s rating system will order credit information and your driving record and generates pricing information based on the information you submitted. This makes it simple to compare prices but the time required to go to each company’s website and repetitively type in your information can be a bit repetitive. But it is imperative to perform this step in order to find the lowest price.

The quickest way to get multiple rate quotes requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After sending the form, it is rated and you can choose any of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out how much you’re overpaying now, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you input the insurance coverages as close as possible to your current policy. This makes sure you will get an apples-to-apples comparison for similar coverage.

Auto insurance advertising gotchas

Drivers get pounded daily by advertisements that claim the best car insurance rates from the likes of Progressive, Geico, Allstate and State Farm. They all convey the message that you’ll save big just by moving your auto insurance policy to them.

How does every company charge lower premium rates?

Most companies offer their best rates for the driver that will add to their bottom line. A good example of this type of insured might be a married female, has no claims, and chooses high deductibles. Anybody who fits those characteristics receive the lowest rate quotes and as a result will probably save some money.

People who don’t measure up to these standards must pay higher premiums and this can result in the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can make those statements.

That is why you should get a wide range of price quotes. Because without a comparison, you cannot know the company that will have better rates than you’re paying now.

Discounts can really help to save

The price of auto insurance can be rather high, but there may be some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but some need to be requested specifically before being credited.

  • First Accident Forgiveness – Not really a discount, but some companies like Progressive, State Farm and Geico will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
  • Mature Driver Discount – Seniors may qualify for a discount up to 10% for XC90 coverage.
  • Driver Education Discount – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
  • Distant College Student Discount – College-age children living away from home attending college without a vehicle on campus could qualify for this discount.
  • Policy Bundle Discount – When you have multiple policies with one company you may save up to 20% off your total premium.

You can save money using discounts, but most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, it just doesn’t work that way.

To find companies that provide some of the discounts listed above, click this link.

Will just any policy work for me?

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • How much liability do I need to cover my assets?
  • Am I covered if my car is in a flood?
  • When do I need to add a new car to my policy?
  • If my pet gets injured in an accident are they covered?
  • Can I drive in Mexico and have coverage?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a Volvo XC90

Knowing the specifics of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Volvo XC90.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Collision coverage – This covers damage to your XC90 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed, hitting a bird and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like X-ray expenses, ambulance fees, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – Liability insurance can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, loss of income and emergency aid. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Saving money is sweet as honey

In this article, we covered some good ideas how you can compare 2017 Volvo XC90 insurance rates online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the best price on insurance coverage is with some of the smallest insurance companies. These smaller insurers can often provide lower car insurance rates in certain areas compared to the large companies like Geico and State Farm.

Discount 2017 Volvo XC90 insurance can be bought online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have online quoting and these smaller providers only sell through local independent agencies.

More detailed insurance coverage information can be read by following these links: