Cheaper 2013 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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Are you at wits end from trying to scrape together enough money to buy auto insurance? You are in the same boat as the majority of other drivers.

Insurance companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with TV and radio ads and consumers find it hard to separate fact from fiction and find the best price available.

How to lower your insurance costs

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can earn you much lower annual insurance costs. Lots of factors are used when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent like your vehicle usage or your commute time.

  • Where you reside factors in – Being located in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. Residents of big cities regularly have much more traffic and a longer drive to work. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Save money by eliminating add-on coverages – Insurance companies have many extra add-on coverages that can add up when buying car insurance. Add-on coverages like rental car coverage, towing coverage, and Farm Bureau memberships are some examples. The coverages may be enticing when discussing your needs, but if they’re wasting money get rid of them and save.
  • Women tend to cost less – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Both genders cause accidents at about the same rate, but the male of the species tend to have more serious accidents. Not only that, but men also have more aggressive citations like driving under the influence (DUI). Males from age 16 to 21 have the highest risk to insure and thus pay the highest rates.
  • Discounts for multiple policies – The majority of companies afford better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount applied, consumers should still get quotes from other companies to verify if the discount is saving money. Drivers may still find better rates even if you have your coverage with different companies.

Verify you’re receiving every discount

Some insurers don’t always publicize every possible discount in a way that’s easy to find, so the next list breaks down both well-publicized and also the lesser-known credits that may apply to you.

  • Discount for Good Grades – Excelling in school can save 20 to 25%. The good student discount can last until age 25.
  • Onboard Data Collection – Insureds who allow driving data submission to spy on driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as GEICO and Liberty Mutual will let one accident slide before hitting you with a surcharge if you have no claims for a set time period.
  • Responsible Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for XC90 coverage than their less cautious counterparts.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • More Vehicles More Savings – Drivers who insure more than one vehicle with one company can get a discount for every vehicle.
  • Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.
  • Early Signing – A few companies give discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Bundle and Save – If you can bundle your auto and home insurance with the same company you may earn at least 10 to 15 percent or more.
  • Multi-line Discount – Not all car insurance companies offer life insurance, but some may give you better rates if you take out auto and life insurance together.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Auto insurance companies that may offer policyholders these benefits possibly include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

Double check with every insurance company how you can save money. Some of the discounts discussed earlier may not apply in your area.

When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Does medical payments coverage apply to all occupants?
  • Why do I only qualify for high-risk insurance?
  • Are rental cars covered under my policy?
  • Am I insured when driving a different vehicle?
  • Am I missing any policy discounts?
  • If my 2013 Volvo XC90 is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out your zip code.

Coverage specifics

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills like X-ray expenses, rehabilitation expenses, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2013 Volvo XC90.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your XC90 resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, a broken windshield, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop around and save

A few companies don’t offer online rate quotes and usually these smaller providers prefer to sell through local independent agencies. Lower-priced 2013 Volvo XC90 insurance can be purchased online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

You just read a lot of tips how to reduce 2013 Volvo XC90 insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance coverage. You may be surprised to find that the biggest savings come from the least-expected company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like State Farm and Allstate.

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