2011 Volvo XC90 Insurance Rates
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UPDATED: Feb 28, 2020
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Average insurance rates for a 2011 Volvo XC90 are $1,220 a year for full coverage insurance. Comprehensive insurance costs on average $234 each year, collision insurance costs $364, and liability costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,634 or more. Teenage drivers receive the highest rates at up to $4,716 a year.
Annual premium for full coverage: $1,220
Rate estimates for 2011 Volvo XC90 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 Volvo XC90 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
For a driver in their 40's, prices range range from as low as $514 for basic liability insurance to a high rate of $2,634 for a driver who has had serious violations or accidents.
These differences illustrate why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2011 Volvo XC90 Insurance
Confused by the sheer number of insurance company choices? Lot’s of other consumers are too. People have so many options available that it can be a big hassle to find the best price.
Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. But vehicle owners do need to understand the methods companies use to sell insurance online because it can help you find the best coverage.
Where Can I Get Cheap Car Insurance?
There are several ways of comparing rates from local car insurance companies. The easiest way to find competitive 2011 Volvo XC90 insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.
- The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate quotes for each company. Taking the time to complete one form gets you price quotes from all major companies. It’s the fastest way to compare.
- A more difficult way to compare rate quotes requires you to visit the website of each company to request a price quote. For example, let’s say you want to compare Allstate, Safeco and Progressive. To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
Which method you use is up to you, but make darn sure you compare apples-to-apples coverages and limits with every price quote. If you have unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps you find lower pricing.
Lots of discounts mean lots of savings
Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden ways to save on insurance.
- Drive Less and Save – Keeping the miles down on your Volvo could be rewarded with better rates on cars that stay parked.
- Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on XC90 coverage than drivers with accident claims.
- Defensive Driving Course – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
- Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
- Student in College – Children who are attending college without a vehicle on campus can receive lower rates.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- Accident Waiver – A handful of insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.
- Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
- Club Memberships – Being a member of certain professional organizations is a good way to get lower rates on insurance on XC90 coverage.
It’s important to understand that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.
Car insurance companies that may offer these money-saving discounts may include but are not limited to:
Before buying, ask every prospective company what discounts are available to you. Some discounts might not be offered in your state.
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Situations that might require an agent
When choosing adequate coverage, there really is not a “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that can aid in determining if you will benefit from professional help.
- Is upholstery damage covered by car insurance?
- Does coverage extend to my business vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is my custom paint covered by insurance?
- What is covered by UM/UIM coverage?
- Why am I required to get a high-risk car insurance policy?
- Can my teen driver be rated on a liability-only vehicle?
- Do I pay less for low miles?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Parts of your auto insurance policy
Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volvo XC90.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability car insurance
Liability insurance will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability coverage pays for claims such as funeral expenses, pain and suffering, emergency aid, court costs and legal defense fees. How much coverage you buy is your choice, but you should buy as much as you can afford.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, ambulance fees, chiropractic care and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance will pay to fix damage to your XC90 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Comprehensive or Other Than Collision
This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a bird, falling objects and fire damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Saving money makes a lot of cents
Consumers change insurance companies for any number of reasons including unfair underwriting practices, being labeled a high risk driver, high prices or even delays in responding to claim requests. No matter why you want to switch, finding a new company can be easier than you think.
We covered a lot of information how to save on 2011 Volvo XC90 insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a small local company.
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.
For more information, feel free to visit the resources below:
- Frontal Crash Tests (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- Child Safety FAQ (iihs.org)
- Auto Crash Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,926|
|Los Angeles, CA||$2,085|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$82|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.