Vehicles > Volvo > XC

Volvo XC Insurance Rates

You have many choices when trying to insure your Volvo vehicle. You can either buy through an insurance agent or go online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes can be fast and easy, in addition you may find lower rates.

If you are a novice to online car insurance shopping, you may be confused by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes and find the best price. The quickest method to compare Volvo XC insurance quotes is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine Volvo insurance rates

Insurance premiums on a Volvo XC can vary widely depending on several factors. A few of these criteria are:

  • Higher performance XC vehicles cost more
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Your job
  • Insurance coverage level
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new Volvo models so the cost to replace them may result in lower rates. Although new Volvo models have more advanced features included like lane departure warning system, a telematics system, and adaptive headlights which can lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your XC from the following list.

Auto liability

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Volvo XC can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper Volvo XC insurance rates.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Volvo XC Insurance Rates?