2018 Volvo V90 Insurance Rates – 8 Tips to Save

Looking for cheaper car insurance rates for your Volvo V90? There isn’t anyone who gets a kick out of paying for car insurance, especially when they know their premiums are too high.

Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with catchy ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Affordable insurance rates with discounts

Buying insurance is not cheap, but you might be missing out on some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about before you will receive the discount.

  • Senior Discount – Older drivers may qualify for a small decrease in premiums for V90 insurance.
  • Paperless Signup – A few larger online companies will provide an incentive for signing up digitally online.
  • Policy Bundle Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Telematics Data Discounts – People who choose to allow their company to spy on driving manner through the use of a telematics system such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Buy New and Save – Insuring a new car may earn a small discount because newer vehicles keep occupants safer.
  • Discounts for Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates for V90 insurance than drivers with accident claims.
  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.

Policy discounts save money, but most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will help lower your policy premiums.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • Farm Bureau may offer discounts for renewal discount, multi-vehicle, driver training, multi-policy, safe driver, and youthful driver.
  • MetLife offers discounts including multi-policy, accident-free, defensive driver, good driver, claim-free, and good student.
  • Progressive discounts include online quote discount, multi-policy, multi-vehicle, continuous coverage, and homeowner.
  • AAA may have discounts that include multi-policy, anti-theft, good student, pay-in-full, good driver, education and occupation, and AAA membership discount.
  • American Family has discounts for defensive driver, good driver, Steer into Savings, accident-free, early bird, air bags, and good student.
  • GEICO may include discounts for defensive driver, anti-theft, good student, air bags, federal employee, seat belt use, and multi-policy.
  • State Farm offers premium reductions for good driver, safe vehicle, multiple autos, good student, Steer Clear safe driver discount, multiple policy, and anti-theft.

If you need lower rates, check with all companies you are considering how you can save money. Savings may not apply in your area.

The cheapest car insurance quotes online

There are several ways you can shop for car insurance but one way is easier and takes less work. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Many insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company returns a competitive quote for coverage. This eliminates the need for form submissions to every company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to doing it this way is you don’t know exactly the companies to get quotes from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be certain you are entering the exact same coverage information on every price quote you get. If you compare different liability limits you will not be able to determine which rate is truly the best. Just slight variations in coverage limits can result in a big premium difference. Just keep in mind that comparing more rates from different companies increases your odds of finding more affordable rates.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Do I pay less for low miles?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount?
  • Where can I get insurance after a DUI in my state?
  • Do I need PIP coverage since I have good health insurance?
  • What is the ISO rating for a 2018 Volvo V90?
  • What is the difference between comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my insurance pay for OEM parts?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage options for a Volvo V90

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2018 Volvo V90.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, funeral expenses, loss of income, repair bills for other people’s vehicles and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, funeral costs, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance covers damage to your V90 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, rock chips in glass and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t be a big spender

We just showed you many ideas to shop for 2018 Volvo V90 insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance. Drivers may discover the most savings is with an unexpected company. These companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive or GEICO.

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured cut collision coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Low-cost 2018 Volvo V90 insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies may not have the ability to get quotes online and usually these smaller companies provide coverage only through independent agencies.

Other resources