2022 Volvo XC90 Car Insurance Quotes in 2024 – 9 Tricks for Best Rates

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

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Did budget coverage turn out to be an expensive insurance coverage policy? You’re preaching to the choir because you’re not alone. Since consumers have many insurance coverage companies to choose from, it can be challenging to pick a lower cost insurance coverage provider.

Consumers need to quote other rates quite often because rates tend to go up over time. Even if you got the lowest rate for XC90 insurance six months ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance is not that difficult. If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Drivers only need an understanding of the most efficient way to shop for insurance coverage over the internet.

How to compare insurance coverage rate quotes

Lowering your 2022 Volvo XC90 insurance coverage rates is an easy way to save money. The only thing you need to do is invest a little time comparing rates to find the company with the cheapest auto insurance quotes. Price comparisons can be done using one of these methods.

  • The fastest way to find the lowest comparison rates would be an industry-wide quote request form. This method keeps you from doing separate quotation requests for each price estimate. Just one form will get you rate comparisons from insurance coverage companies with the best prices.
  • A different way to analyze rates consists of going to each company website and repeat the quote process again and again. For sake of this example, let’s say you want to get rates from Nationwide, Allstate and State Farm. To do that, you would have to spend time on each company’s site and punch in your information repeatedly, which can get rather old.

Compare rates however you want, just make sure you compare apples-to-apples coverage information on every quote you get. If you compare different deductibles you can’t possibly determine the lowest rate for your Volvo XC90.

Cheaper insurance quotes with discounts

Some providers do not list all discounts in an easy-to-find place, so the following list contains some of the more common and also the more inconspicuous discounts that you may qualify for.

  • Clubs and Organizations – Being in a qualifying organization could trigger savings when getting a auto insurance quote.
  • Drive Safe and Save – Drivers without accidents can save up to 40% or more on their auto insurance quote for XC90 insurance compared to accident prone drivers.
  • Student Discounts – A discount for being a good student may save as much as 25% on a auto insurance quote. The discount lasts until age 25.
  • Online Discount – A few larger online companies will give you a small discount for buying your policy over the internet.
  • Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small discount on rates for XC90 insurance.
  • Driver Training Discounts – Passing a defensive driver class is a good idea and can lower rates and also improve your driving technique.
  • Multi-policy Discount – If you can bundle your home and auto insurance with one insurance company you could save at least 10 to 15 percent or more.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies and the discounts they provide are shown below.

  • The Hartford offers discounts including good student, bundle, vehicle fuel type, driver training, defensive driver, anti-theft, and air bag.
  • American Family may include discounts for defensive driver, multi-vehicle, TimeAway discount, mySafetyValet, good driver, bundled insurance, and Steer into Savings.
  • Progressive offers discounts for continuous coverage, good student, online quote discount, online signing, and multi-vehicle.
  • Travelers discounts include student away at school, multi-car, hybrid/electric vehicle, IntelliDrive, good student, continuous insurance, and early quote.
  • Farmers Insurance has discounts for switch companies, mature driver, bundle discounts, multi-car, and alternative fuel.
  • USAA includes discounts for multi-policy, safe driver, driver training, multi-vehicle, loyalty savings, vehicle storage, and new vehicle.
  • Liberty Mutual offers premium reductions for new move discount, newly married, safety features, teen driver discount, new vehicle discount, and good student.

Before purchasing a policy, check with all the companies which discounts they offer. Some of the discounts discussed earlier may not be offered in your state. If you would like to view insurance companies that offer multiple discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • How can I force my company to pay a claim?
  • Is my babysitter covered when using my vehicle?
  • Will my rates increase for filing one claim?
  • Is pleasure use cheaper than using my 2022 Volvo XC90 to commute?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and may give you better protection.

Specific coverages for a 2022 Volvo XC90

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Volvo XC90.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverage

This protects you from damage that occurs to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as medical services, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like nursing services, pain medications, dental work, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, hitting a deer, damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your XC90 caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, rolling your car, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Quote more, save more

You just learned some good ideas how you can compare 2022 Volvo XC90 insurance prices online. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding low cost auto insurance. You may even discover the lowest priced auto insurance comes from a lesser-known regional company. They can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

Discount 2022 Volvo XC90 insurance is definitely available from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and most of the time these small, regional companies work with local independent agents.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption