2012 Volvo XC90 Insurance Rates – 5 Tricks for Best Quotes

Drivers have a choice when trying to find low-cost Volvo XC90 insurance. You can either spend your time driving around to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to compare insurance rates and you need to know the absolute fastest way to price shop coverage for a Volvo and find the lowest possible price.

If you have a current auto insurance policy or need a new policy, you can use these techniques to find better prices while maximizing coverage. The purpose of this article is to help educate you on the most effective way to quote insurance and some tips to save money. Drivers just need to know the proper methods to compare price quotes online.

Fast and Easy Insurance Coverage Quotes

There are a variety of methods you can shop for 2012 Volvo XC90 insurance coverage and some are more efficient than others. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies enroll in a system where prospective buyers submit their information once, and each company can give them a price determined by their information. This system prevents you from having to do quote requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose the insurers to get pricing from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click to view list.

It’s your choice how you get your quotes, but compare apples-to-apples coverage limits on every quote. If you are comparing differing limits it’s impossible to determine the lowest rate for your Volvo XC90.

Are you getting all your discounts?

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find auto insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on XC90 coverage depending on your company.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Insurance companies who might offer these money-saving discounts are:

Check with each insurance company which discounts they offer. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Do I need replacement cost coverage?
  • Do I have coverage if my license is suspended?
  • Am I covered when pulling a rental trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my camper covered by my car insurance policy?
  • How do I file an SR-22 for a DUI in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Learn about auto insurance coverages for a 2012 Volvo XC90

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, hospital visits, rehabilitation expenses, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability insurance

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, theft, hitting a bird and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volvo XC90.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision coverage covers damage to your XC90 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Smart consumers save more

When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice physical damage coverage and learned later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford.

People leave their current company for a number of reasons such as policy non-renewal, policy cancellation, delays in responding to claim requests or denial of a claim. It doesn’t matter why you want to switch switching car insurance companies is not as difficult as it may seem.

The cheapest 2012 Volvo XC90 insurance is possible from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

For more information, take a look at the resources below: