1997 Volvo S90 Insurance Quotes

Want lower auto insurance rates for your Volvo S90? Feel like you’re a prisoner to high-priced auto insurance? Believe me, many consumers feel financially strained by their auto insurance policy. With so many options when it comes to auto insurance, it can be hard to choose the lowest price car insurance company.

Consumers need to compare prices occasionally because rates fluctuate regularly. Even if you think you had the best rates for S90 coverage two years ago you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in how to use online quotes to save money, get proper coverage and the best rates.

The purpose of this post is to tell you the best way to quote coverages and some money-saving tips. If you have car insurance now, you should be able to save some money using these methods. Vehicle owners just need to understand how to get comparison rates over the internet.

Insurance Comparison Rates

There are multiple methods to compare 1997 Volvo S90 insurance prices but one way is easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use online quoting to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to complete one form, and each company can provide price quotes based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for. To get comparison pricing now click to open in new window.

The only drawback to using this type of form is you cannot specify the insurers to receive prices from. If you prefer to choose individual companies to compare prices, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare apples-to-apples coverage information with every price quote. If you compare unequal deductibles or liability limits it will be impossible to find the best deal for your Volvo S90.

These discounts can lower your rates

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but less common discounts must be manually applied before they will apply. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Memberships – Belonging to a civic or occupational organization could qualify you for a break on car insurance for S90 coverage.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Homeowners Discount – Being a homeowner can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.

Keep in mind that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

Car insurance companies that may have these benefits include:

Double check with all companies you are considering what discounts are available to you. Discounts may not apply everywhere.

Different people need different coverages

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you would benefit from professional advice.

  • Are my tools covered if they get stolen from my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why does it cost so much to insure a teen driver?
  • At what point should I drop full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy additional glass protection?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects, court costs, medical expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage pays for damage to your S90 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills such as funeral costs, doctor visits and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed, damage from flooding, a broken windshield and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.