1998 Volvo S90 Insurance Rates

Average insurance rates for a 1998 Volvo S90 are $976 a year for full coverage insurance. Comprehensive insurance costs around $160, collision insurance costs $216, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,096 or more. Teen drivers receive the highest rates at up to $3,926 a year.

Annual premium for full coverage: $976

Rate estimates for 1998 Volvo S90 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 1998 Volvo S90 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Are you tired of paying out the nose to insure your Volvo every month? You are no different than many other drivers. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and it is difficult to see past the corporate glitz and find the best price available.

You should make it a habit to check auto insurance prices every six months because prices fluctuate regularly. Despite the fact that you may have had the lowest rates for S90 insurance last year a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are looking for a new policy, you can use this information to find the best rates while maintaining coverages. Buying car insurance is not rocket science. Drivers only need to know the proper methods to compare prices on the web.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but some must be manually applied before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

• Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.
• Claim Free – Claim-free drivers can save substantially as compared to bad drivers.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
• Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for S90 insurance than their less cautious counterparts.
• Save over 55 – If you qualify as a senior citizen, you may be able to get better insurance rates for S90 insurance.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

Companies that may offer these discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before buying, ask every prospective company how you can save money. All car insurance discounts may not be available in every state.

Volvo S90 rates are in the details

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for insurance. Understanding what influences your rates enables informed choices that could result in better insurance rates.

Shown below are some of the factors insurance companies consider when setting premiums.

• Marriage brings a discount – Having a wife or husband can actually save you money on your insurance policy. Having a spouse means you’re more mature it has been statistically shown that married couples file fewer claims.
• Your age impacts your rates – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be more careless behind the wheel therefore insurance rates are much higher.
• Do you have enough liability coverage? – Liability insurance provides coverage when a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
• High crash test scores lower rates – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Volvo has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Poor credit can mean higher rates – A driver’s credit rating is a huge factor in calculating your insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit can use some improvement, you could save money insuring your 1998 Volvo S90 by improving your rating.
• Bad driving skills means higher rates – Even one speeding ticket can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

How to know if you need help

When it comes to choosing the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether you might need professional guidance.

• How do I file an SR-22 for a DUI in my state?
• Does my 1998 Volvo S90 need full coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need special endorsements for business use of my vehicle?
• Is rental equipment covered for theft or damage?
• Am I covered if I wreck a rental car?
• Do I need rental car coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance myths debunked

Drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the ads make the same claim about savings if you change your coverage to them.

How do they all say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that makes them money. An example of a driver they prefer might be profiled as over the age of 40, has no driving citations, and has a short commute. A customer who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can make those claims.

This illustrates why you should get a wide range of price quotes. It’s impossible to know which insurance companies will provide you with the cheapest Volvo S90 insurance rates.

Car insurance coverages 101

Learning about specific coverages of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Collision coverages – Collision insurance pays for damage to your S90 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, hitting a mailbox, backing into a parked car and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a deer, falling objects, hitting a bird and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for surgery, dental work and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

The bottom line

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. Too many times, someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage for the lowest price.

The cheapest 1998 Volvo S90 insurance can be sourced online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer online quoting and these smaller companies work with independent agents.

For more information, feel free to browse the resources below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)