Save on 2003 Volvo XC90 Insurance Quotes

Trying to find low-cost insurance for your Volvo XC90 can turn out to be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for insurance and you need to know the absolute fastest way to compare rates for a Volvo and find the best price possible from both online companies and local agents.

Compare quotes for car insurance

Shopping for lower car insurance rates can be exhausting if you don’t understand the fastest way to get free quotes. You can waste hours driving to agents in your area, or you can stay home and use online quoting to get prices fast.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company then gives them pricing based on that data. This saves time by eliminating form submissions to each company. To enter your information into the quoting system, click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify the providers to get pricing from. If you would rather choose from a list of companies to request quotes from, we have a page of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverages and limits on every quote. If you compare different coverage information it will be nearly impossible to get a fair rate comparison.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

Can I afford to buy a different vehicle if my 2003 Volvo XC90 is totaled?
How high should my medical payments coverage be?
Do I need an umbrella policy?
What is the difference between comprehensive and collision coverage?
What can I do if my company denied a claim?
How can I get high-risk coverage after a DUI?
Will I lose any money if I cancel my policy before it expires?
Do I need motorclub coverage?
Can I still get insurance after a DUI?
Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This coverage 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 insurance covers things such as rock chips in glass, hitting a bird, a broken windshield, falling objects and theft. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, prosthetic devices, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2003 Volvo XC90.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, loss of income, repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Coverage for collisions

This pays for damage to your XC90 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, hitting a parking meter, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.