2018 Volvo XC90 Insurance Quotes – 6 Policy Discounts

Finding low-cost insurance for a Volvo XC90 can be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to compare rates on a Volvo and get the lowest price.

Find discounts to get cheap auto insurance rates

Companies offering auto insurance don’t necessarily list every possible discount in a way that’s easy to find, so we break down a few of the more common as well as the least known credits available to you.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Early Signing – Some auto insurance companies give discounts for signing up early. This discount can save up to 10%.
  • Driver Training Discounts – Participating in a defensive driver class can save you 5% or more if you qualify.
  • Claim Free – Insureds with no claims or accidents pay less as compared to frequent claim filers.
  • Distant Student – Youth drivers who live away from home to go to college and do not take a car to college can receive lower rates.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Progressive, Allstate, and GEICO may permit one accident before your rates go up so long as you are claim-free for a certain period of time.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

A list of companies and the discounts they provide include:

  • State Farm has discounts for good student, Drive Safe & Save, driver’s education, multiple autos, and defensive driving training.
  • GEICO may have discounts that include anti-theft, defensive driver, daytime running lights, anti-lock brakes, good student, and emergency military deployment.
  • Allstate has savings for premier plus, early signing, multi-policy, good payer, economy car, and FullPay discount.
  • SAFECO may include discounts for drive less, anti-theft, teen safe driver, multi-car, safe driver, bundle discounts, and homeowner.
  • Farm Bureau may offer discounts for multi-policy, renewal discount, driver training, multi-vehicle, safe driver, good student, and youthful driver.
  • Progressive offers discounts including multi-vehicle, good student, homeowner, multi-policy, and online quote discount.
  • AAA includes discounts for AAA membership discount, good driver, multi-policy, anti-theft, multi-car, and good student.

Before buying, ask each company which discounts they offer. Some of the discounts discussed earlier might not apply everywhere. If you would like to choose from a list of providers who offer cheap auto insurance quotes, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions might point out whether your personal situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving a rental car?
  • Should I buy full coverage?
  • Is my 2018 Volvo XC90 covered for smoke damage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Car insurance 101

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Volvo XC90.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses such as pain medications, X-ray expenses, ambulance fees, chiropractic care and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage covers damage to your XC90 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird, hitting a deer, theft and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Quote more, save more

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

Low-cost 2018 Volvo XC90 insurance is possible online and from local insurance agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some companies may not provide online price quotes and most of the time these small, regional companies provide coverage only through independent agencies.

Consumers change insurance companies for any number of reasons including high rates after DUI convictions, not issuing a premium refund, delays in responding to claim requests or even policy cancellation. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

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