1997 Volvo S90 Insurance Quotes – 5 Ways to Save

Searching for cheaper insurance rates for your Volvo S90? Nobody I know looks forward to paying for insurance, in particular when it costs too dang much.

You have so many car insurance companies to pick from, and though it is a good thing to be able to choose, it can be more challenging to compare rates and find the lowest cost insurance.

Finding cheaper protection is quite easy. Essentially every driver who is shopping for auto insurance will more than likely be able to save money. Nevertheless, consumers must comprehend the methods companies use to sell online and take advantage of how the system works.

Auto insurance discounts help slash rates

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the following is a list of a few of the more common and the more hidden credits available to you.

  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a break if you buy a life policy as well.
  • One Accident Forgiven – Not really a discount, but certain companies may permit one accident without raising rates as long as you don’t have any claims before the accident.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Student Discounts – Excelling in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But any discount will definitely lower your overall bill.

Large auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Progressive discounts include good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
  • SAFECO may have discounts that include multi-car, anti-lock brakes, bundle discounts, teen safe driver, accident prevention training, and teen safety rewards.
  • American Family has discounts for defensive driver, air bags, good driver, multi-vehicle, and bundled insurance.
  • MetLife policyholders can earn discounts including good driver, good student, multi-policy, accident-free, claim-free, defensive driver
  • GEICO offers premium reductions for federal employee, seat belt use, multi-policy, anti-theft, anti-lock brakes, daytime running lights, and air bags.
  • The Hartford includes discounts for bundle, anti-theft, defensive driver, air bag, good student, and driver training.

When getting a coverage quote, ask each company which credits you are entitled to. Some discounts listed above may not apply to policies in your area.

Which is the best insurance?

When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining if you may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • How can I force my company to pay a claim?
  • Do I need replacement cost coverage on my 1997 Volvo S90?
  • Do I need an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk 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.

Misconceptions in insurance advertisements

State Farm and Allstate endlessly run ads in print and on television. All the ads advertise the message that you can save after switching your insurance coverage to their company. How do they all offer you a better deal? This is the trick they use.

Many companies have specific criteria for a prospective insured that earns them the most money. A good example of this type of driver could possibly be a female over age 40, has a clean driving record, and insures a new vehicle. Any new insured who matches that profile gets the lowest premium rates and have a good chance to save when they switch companies.

Consumers who may not quite match those standards may receive higher premium rates and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make claims that they all have the best car insurance rates.

Each company has different criteria, so drivers should quote coverage with many companies. It’s impossible to know which company will give you lower rates than your current company.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1997 Volvo S90.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision insurance covers damage to your S90 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Med pay and PIP coverage pay for bills for things like doctor visits, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical services, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

A fool and his money are soon parted

We just covered a lot of ways to get a better price on 1997 Volvo S90 insurance. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. Drivers may discover the most savings is with a smaller regional carrier. Some small companies often have lower rates on specific markets compared to the large companies like Allstate and Progressive.

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best price.

Some car insurance companies do not provide online price quotes and usually these regional carriers only sell coverage through independent agencies. Cheaper 1997 Volvo S90 insurance is available on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

Much more information about car insurance can be found at the links below