Compare 2013 Volvo XC90 Insurance Rates

Scraping up a payment for overpriced Volvo XC90 insurance can overdraw your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to help make ends meet.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rate

Smart consumers take time to check car insurance prices before your policy renews because rates are constantly changing. Despite the fact that you may have had the best price for XC90 coverage a few years ago you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because I’m going to teach you one of the best ways to lower your annual insurance bill.

Why your Volvo XC90 insurance rates may be high

It’s important that you understand the factors that help determine the rates you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

The following are some of the items used by your company to calculate your rates.

  • You might want pay the small claims yourself – Auto insurance companies generally give lower rates to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is designed for the large, substantial claims.
  • Never allow your policy to lapse – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Careful drivers pay lower rates – Only having one ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more you’re willing to pay, the less your company will charge you for insurance for XC90 coverage.
  • Drive less and save money – The more you drive each year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. If your policy improperly rates your XC90 may be costing you. Double check that your insurance policy is showing the correct driver usage.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Volvo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Rural vs Urban Areas – Being located in a rural area has it’s advantages when it comes to insurance. Fewer people means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with congested traffic and longer commute times. More time on the road can result in more accidents.

Save with discounts on Volvo XC90 insurance

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically at quote time, but some may not be applied and must be inquired about before you get the savings.

  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • 55 and Retired – Older drivers may receive better auto insurance rates for XC90 coverage.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.

It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, you’re out of luck. But all discounts will cut the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts, click here.

Tailor your coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Do I have coverage if my license is suspended?
  • When do I need to add a new car to my policy?
  • Am I covered if I break a side mirror?
  • Is pleasure use cheaper than using my 2013 Volvo XC90 to commute?
  • What can I do if my company denied a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like bail bonds, funeral expenses, pain and suffering, loss of income and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses such as dental work, doctor visits, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volvo XC90.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Shop. Compare. Save.

Low-cost 2013 Volvo XC90 insurance is possible both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

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