Compare 2008 Volvo XC90 Insurance Quotes

Are you tired of being strong-armed each month for car insurance? Your situation is no different than most other car owners. Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest rate

It is always a good idea to compare rates at least once a year since rates tend to go up over time. Even if you got the best price for XC90 coverage a couple years back you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

Do you qualify for a discount?

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but less common discounts must be inquired about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.

Consumers should know that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will help reduce the cost of coverage.

A partial list of companies that possibly offer these discounts are:

Double check with each insurance company what discounts are available to you. All car insurance discounts may not apply in every state.

Free Quotes for Insurance

There are several ways to compare Volvo XC90 insurance prices and some are less time-consuming than others. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize the web for quick rates.

Many companies are enrolled in a marketplace where prospective buyers send in one quote, and each company then gives them pricing determined by their information. This prevents consumers from doing form submissions to every company.

To compare pricing click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose the providers to get pricing from. If you wish to select from a list of companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles with every price quote. If you compare different liability limits then you won’t be able to make a fair comparison for your Volvo XC90.

Complexity of Volvo XC90 insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine prices.

  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Occupations such as doctors, architects and dentists have the highest average rates in part from high stress and long work hours. Other occupations such as pilots, historians and homemakers get better rates for XC90 coverage.
  • Battle of the sexes – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Don’t buy coverages you don’t need – There are many add-on coverages you can purchase on your XC90 policy. Coverages like rental car reimbursement, better glass coverage and motor club memberships are examples of these. They may seem good initially, but if you don’t need them get rid of them and save.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining your rates. So if your credit score is not that good, you could pay less to insure your 2008 Volvo XC90 by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
  • Higher deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, protects your Volvo from damage. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The more you have to pay, the lower your rates will be for XC90 coverage.
  • Frequent auto insurance claims increase rates – Auto insurance companies provide cheaper rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

What coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining if you could use an agent’s help.

  • What is the ISO rating for a 2008 Volvo XC90?
  • Should I sign the liability waiver when renting a car?
  • Why am I required to buy liability insurance?
  • What happens if I owe more than my 2008 Volvo XC90 is worth?
  • What is covered by UM/UIM coverage?
  • Does car insurance cover theft of personal property?
  • Do I need motorclub coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for things like X-ray expenses, ambulance fees and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, medical expenses, structural damage, loss of income and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, theft and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, rolling your car, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2008 Volvo XC90.

Since many drivers 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 is very important. Most of the time these coverages are set the same as your liablity limits.

A penny saved is a penny earned

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, drivers have reduced full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just learned quite a bit of information on how to reduce 2008 Volvo XC90 insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance coverage comes from a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

Additional information can be read below: