2005 Volvo XC90 Car Insurance Cost – 9 Tricks for Best Prices

Want cheaper auto insurance rates for your Volvo XC90? Consumers who are new to the process of comparison shopping online could find purchasing the lowest-priced auto insurance is more work than they anticipated.

It’s smart to do rate comparisons yearly since rates are usually higher with each renewal. Just because you had the best deal on XC90 coverage on your last policy you may be paying too much now. So just forget all the misinformation about auto insurance because it’s time to teach you one of the quickest ways to save on auto insurance.

How to Lower Your Insurance Coverage Cost

To find the best insurance coverage prices, there are several ways to compare quotes from different insurance companies. The recommended way to compare 2005 Volvo XC90 insurance prices is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  • The first (and easiest) way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. One quote request gets you price quotes from all major companies. It’s definitely the quickest method.
  • Another way to analyze rates is to manually visit each company website and request a quote. For instance, we’ll assume you want rates from Allstate, Farmers and Liberty Mutual. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The least efficient way to get comparison rates is to spend time driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice that only a license agent can provide. Drivers can compare the best prices online but buy from a local insurance agent.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage limits for each price quote. If the quotes have different values for each quote you will not be able to find the best deal for your Volvo XC90. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, more quotes helps locate better pricing.

Will just any policy work for me?

When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does medical payments coverage apply to all occupants?
  • Do I need replacement cost coverage?
  • When can I cancel my policy?
  • Why does it cost so much to insure a teen driver?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is there coverage for injuries to my pets?
  • When should I drop full coverage on my 2005 Volvo XC90?
  • What is the ISO rating for a 2005 Volvo XC90?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance specifics

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, surgery, EMT expenses and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

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 then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.


Liability insurance will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, vandalism and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volvo XC90.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.