2012 Volvo XC90 Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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Trying to find cheaper car insurance rates for your Volvo XC90? I doubt anyone anticipates paying for car insurance, especially knowing they could find lower prices if they just compared rates. There is such a variety of auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find a good deal.

Buying car insurance is not rocket science. If you currently have car insurance, you will be able to cut costs considerably using these techniques. Consumers just need to understand the most efficient way to buy auto insurance online.

Verify you’re applying every discount

Car insurance is not cheap, but you might find some hidden discounts that could help you make your next renewal payment. A few discounts will be applied at the time of quoting, but occasionally some discounts must be inquired about before being credited. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • Distant College Student Discount – Any of your kids who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Low Mileage Discounts – Keeping the miles down on your Volvo could qualify for lower rates due to less chance of an accident.
  • Memberships – Affiliation with a professional or civic organization may earn a discount on your bill.
  • One Accident Forgiven – Not necessarily a discount, but companies like Libery Mutual, GEICO and Allstate will forgive one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
  • Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a discount if you purchase a life policy as well.

Don’t be surprised that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, you’re out of luck.

A few companies that may offer some of the above discounts may include but are not limited to:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Liberty Mutual

It’s a good idea to ask each insurance company which discounts can lower your rates. Some discounts listed above might not be offered everywhere. If you would like to view providers that offer multiple discounts, enter your zip code here.

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Is other people’s property covered if stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have newly-acquired coverage?
  • Do all my vehicles need collision coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if my car is in a flood?
  • Am I covered if I crash into my own garage door?
  • If my 2012 Volvo XC90 is totaled, can I afford another vehicle?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Specific coverages for a Volvo XC90

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volvo XC90.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your XC90 from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Buy Smart and Save

There are still a few companies who do not offer rate quotes online and many times these small insurance companies only sell coverage through local independent agents. Affordable 2012 Volvo XC90 insurance can be sourced both online and also from your neighborhood agents, so you need to compare both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that they should have had better coverage. The proper strategy is to get the best coverage possible at the best cost, but do not skimp to save money.

We just covered many ideas to compare 2012 Volvo XC90 insurance car insurance rates online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable insurance. Consumers may even find the most savings is with a smaller regional carrier. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

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