Cheap 2017 Volvo S90 Insurance Quotes

Searching for lower insurance rates for your Volvo S90? Feeling guilty for buying an underperforming, overpriced insurance policy? You’re in good company because there are many drivers thinking the same thing.

Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the best price available.

You need to get comparison quotes yearly since prices trend upward over time. Even if you think you had the lowest rate on S90 coverage a year ago a different company probably has better premium rates today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to eliminate unnecessary coverages and save money.

Cheap insurance rates with discounts

The cost of insuring your cars can be expensive, but there could be available discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for in order for you to get them. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Claim Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Driving less could be rewarded with lower premium rates due to less chance of an accident.
  • Senior Discount – Drivers that qualify as senior citizens could receive a small discount on rates on S90 coverage.
  • Sign Early and Save – Some larger companies provide a discount for switching policies before your current coverage expires. You could save around 10% when you buy insurance coverage online.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you could get a free insurance policy, nobody gets a free ride.

A list of companies and some of their more popular discounts are included below.

  • State Farm discounts include student away at school, multiple autos, anti-theft, good student, and passive restraint.
  • GEICO has savings for emergency military deployment, defensive driver, driver training, five-year accident-free, military active duty, good student, and anti-lock brakes.
  • SAFECO includes discounts for accident prevention training, drive less, anti-lock brakes, anti-theft, multi-car, teen safe driver, and teen safety rewards.
  • Farmers Insurance policyholders can earn discounts including switch companies, pay in full, teen driver, good student, multi-car, and electronic funds transfer.
  • AAA offers discounts including good student, multi-policy, education and occupation, AAA membership discount, and good driver.
  • USAA has discounts for driver training, safe driver, family discount, multi-vehicle, and vehicle storage.

Before you buy a policy, ask each company or agent which discounts you may be entitled to. A few discounts might not be available to policyholders everywhere. To choose companies that offer multiple discounts, follow this link.

Cheapest car insurance quotes

Shopping for lower car insurance rates can be a daunting task if you don’t understand the easiest way. You could spend the better part of a day talking to agents in your area, or you could use online quoting to get pricing more quickly.

Many of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company returns a rated price determined by their information. This eliminates the need for quote requests to each company.

To submit your quote information now, click here to start a free quote.

The single downside to pricing coverage this way is you can’t choose which providers you want to price. If you wish to select specific insurance companies to compare rates, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to use exactly the same coverage limits with every price quote. If you are comparing different deductibles you will not be able to find the best deal for your Volvo S90. Just slight variations in limits could mean much higher rates. And when comparison shopping, getting more free quotes gives you a better chance of getting the best offered rates. Some smaller insurers to not give online price quotes, so you also need to get price estimates from them, too.

Learn how to buy insurance coverage for less

A large part of saving on insurance coverage is knowing some of the things that are used to determine the rates you pay for insurance coverage. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower rates.

  • Cars with good safety ratings save money – Vehicles with good safety scores cost less to insure. Vehicles built for safety reduce occupant injuries and better occupant protection means lower claim amounts which can result in lower premiums. If your Volvo S90 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Know your credit rating – Having a good credit score will be a significant factor in your rate calculation. People with excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit rating can be improved, you could save money insuring your 2017 Volvo S90 by improving your credit score.
  • Higher physical damage deductibles are cheaper – The deductibles you choose state the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, fire damage, and damage from wind. The larger the amount the insured has to pay upfront, the better rate you will receive on S90 coverage.
  • Your gender affects prices – Statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Males and females have fender benders in similar numbers, but the male of the species get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Always keep your insurance coverage policy in force – Having a lapse in insurance coverage will be a guaranteed way to pay more for insurance coverage. Not only will you pay higher rates, getting caught without coverage could result in fines and jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • City dwellers may pay more – Being located in a rural area may provide you with better prices when trying to find low car insurance rates. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates. People in densly populated areas regularly have more road rage incidents and longer commutes to work. The longer drive time translates into higher accident risk.
  • Single vs. married – Being married helps lower the price on your policy. Having a spouse translates into being more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Cheaper rates by consolidating – Most major insurance coverage companies will give better rates for people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates even if you insure with multiple companies

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Do I need more liability coverage?
  • Where can I find high-risk insurance?
  • Is business equipment covered while in my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I hit a deer?
  • Should I bundle my homeowners policy with my auto?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Slick advertising tricks that work

Insurance coverage companies such as State Farm, GEICO and Progressive endlessly run television and radio advertisements. All the companies say the same thing about how much you will save if you switch your coverage. But how can every company give you a better price? Just pay attention to how they say it.

Companies can use profiling for the type of customer that will add to their bottom line. A good example of a profitable risk profile may be over the age of 35, has had continuous coverage, and drives a car with an anti-theft system. Any person who fits those characteristics gets the lowest car insurance rates as well as save quite a bit of money when switching.

People who do not match these standards may receive a higher rate with the end result being the customer buying from someone else. If you pay attention, the ads say “customers who switch” not “everyone who quotes” can save as much as they claim. This is how insurance companies can confidently make claims like that.

Because of this risk profiling, you should get insurance coverage quotes as often as possible. It’s not possible to predict which company will provide you with the cheapest car insurance rates.

Insurance specifics

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, ambulance fees, funeral costs and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volvo S90.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This can cover damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as repair costs for stationary objects, attorney fees, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your S90 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Pennies from heaven

Budget-friendly insurance can be bought online as well as from insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and many times these smaller companies only sell through independent agents.

We covered quite a bit of information on how to lower your 2017 Volvo S90 insurance premium rates. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the biggest savings come from a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

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