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2013 Volvo XC90 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for a 2013 Volvo XC90 are $1,298 a year including full coverage. Comprehensive costs around $258 a year, collision costs $422, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,804. Teen drivers receive the highest rates at $4,964 a year or more.

Annual premium for full coverage: $1,298

Rate estimates for 2013 Volvo XC90 Insurance

Comprehensive $258
Collision $422
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 go from as low as $510 for basic liability insurance to a high of $2,804 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,298
High Risk $2,804

View Chart as Image

2013 Volvo XC90 insurance rates compared
Column chart showing 2013 Volvo XC90 insurance prices range from $759 to $4,964 for full coverage

These differences highlight why it is important for drivers to compare prices for a specific zip code and risk profile, rather than using price averages.

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 2013 Volvo XC90 Insurance

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Want better auto insurance rates for your Volvo XC90? Scraping up a payment for overpriced Volvo XC90 insurance can overdraw your checking account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Many insurers compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate possible.

How to Compare Auto Insurance Rates

When shopping for auto insurance there are multiple ways of comparing price quotes from auto insurance companies in your area. The recommended way to find competitive 2013 Volvo XC90 insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form submissions for each company. A single form gets rate comparisons from several companies.
  2. A different way to get comparison quotes is to take the time to go to each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Progressive, Esurance and Travelers. To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing identical information for each comparison quote. If you enter higher or lower deductibles then you won’t be able to decipher which rate is best. Quoting even small variations in insurance coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes will enable you to find the best offered rates.

These discounts can slash car insurance rates

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known ways to save on car insurance.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Save over 55 – Mature drivers may be able to get a discount up to 10% on XC90 coverage.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Safe Driver Discount – Safe drivers may save up to 50% more on XC90 coverage than their less cautious counterparts.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, most discounts do not apply the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that may have these benefits include:

It’s a good idea to ask each company which discounts they offer. Discounts may not apply in your area.

Volvo XC90 insurance rates have many determining factors

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better insurance coverage rates.

  • Never let your coverage lapse – Allowing your coverage to lapse is a fast way to bump up your insurance coverage costs. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. If your policy improperly rates your XC90 may be costing you. Ask your agent if your insurance coverage coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Volvo XC90 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Older drivers pay less – Teenage drivers have a tendency to be careless and easily distracted in a vehicle so insurance coverage rates are higher. Mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Lower rates with optional equipment – Driving a car with an alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Volvo from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be on XC90 coverage.

Free Auto Insurance Comparison

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When might I need the advice of an agent?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Is business equipment covered while in my vehicle?
  • What is roadside assistance coverage?
  • Why am I required to buy high-risk coverage?
  • Do all my vehicles need collision coverage?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Are you falling for claims of savings?

Insurance providers like 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all make the same claim of big savings after switching to their company. How do they all make almost identical claims?

Different companies have a certain “appetite” for the driver that makes them money. A good example of a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A driver who meets those qualifications receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently claim big savings. This illustrates why drivers should get as many quotes as possible. It is impossible to predict which company will provide you with the cheapest Volvo XC90 insurance rates.

Auto insurance coverage considerations

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like funeral expenses, court costs, medical services, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

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

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, rehabilitation expenses, hospital visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Shop. Compare. Save.

The cheapest 2013 Volvo XC90 insurance can be purchased online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered some good ideas how to shop for insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

More information can be read below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Volvo XC90 Insurance Rates by City
City Premium
New York City, NY $2,052
Los Angeles, CA $2,217
Philadelphia, PA $1,733
Jacksonville, FL $1,884
Phoenix, AZ $1,509
Chicago, IL $1,739
Houston, TX $2,036
Seattle, WA $1,268
Columbus, OH $1,084
Indianapolis, IN $1,105

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Volvo XC90 Insurance Rates by Driver Age
Driver Age Premium
16 $4,964
20 $2,982
30 $1,342
40 $1,298
50 $1,188
60 $1,164

Full coverage, $500 deductibles

Rates by Deductible

2013 Volvo XC90 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,596
$250 $1,458
$500 $1,298
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Volvo XC90 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,390
100/300 $1,505
250/500 $1,804
100 CSL $1,436
300 CSL $1,689
500 CSL $1,873

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Volvo XC90 Insurance Rates for High Risk Drivers
Age Premium
16 $7,052
20 $4,752
30 $2,854
40 $2,804
50 $2,680
60 $2,656

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.

SR-22 Surcharge $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $91
Total Discounts $539
Rate after discounts $759

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2013 Volvo XC90 Insurance Rates by State
State Premium
Alabama $1,174
Alaska $996
Arizona $1,078
Arkansas $1,298
California $1,478
Colorado $1,240
Connecticut $1,336
Delaware $1,468
Florida $1,624
Georgia $1,198
Hawaii $932
Idaho $880
Illinois $966
Indiana $978
Iowa $874
Kansas $1,234
Kentucky $1,772
Louisiana $1,920
Maine $802
Maryland $1,072
Massachusetts $1,038
Michigan $2,256
Minnesota $1,086
Mississippi $1,556
Missouri $1,152
Montana $1,396
Nebraska $1,024
Nevada $1,558
New Hampshire $936
New Jersey $1,452
New Mexico $1,152
New York $1,368
North Carolina $746
North Dakota $1,064
Ohio $896
Oklahoma $1,334
Oregon $1,188
Pennsylvania $1,238
Rhode Island $1,732
South Carolina $1,176
South Dakota $1,096
Tennessee $1,136
Texas $1,566
Utah $962
Vermont $888
Virginia $778
Washington $1,006
West Virginia $1,190
Wisconsin $898
Wyoming $1,158

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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