2018 Volvo V90 Cross Country Insurance Cost

I can’t think of a single person who loves paying for insurance coverage, in particular when they are paying too much.

Due to the large number of insurance companies to choose from, it’s nearly impossible to choose the most cost effective company.

Low cost insurance coverage prices

There are several ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize online quoting for quick rates.

Most car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company can provide price quotes. This system prevents you from having to do quote forms for each company you want a rate for. To get comparison pricing now click here to open in new window.

The only downside to doing it this way is buyers cannot specifically choose the companies you will receive quotes from. If you wish to select from a list of companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage limits on every price quote you get. If your comparisons have different liability limits you will not be able to determine which company has the best rates. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, making a lot of price comparisons helps locate a better price.

More affordable rates by taking advantage of discounts

Some companies don’t always advertise their entire list of discounts very clearly, so the below list has a few of the more well known and also the more inconspicuous discounts that may be available.

  • No Charge for an Accident – but companies like Liberty Mutual and Geico will let one accident slide before your rates go up if you have no claims for a set time period.
  • Telematics Data Discounts – Policyholders that allow data collection to scrutinize vehicle usage by using a telematics device like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.
  • Discounts for Good Drivers – Insureds who avoid accidents may receive a discount up to 45% for V90 Cross Country insurance compared to rates paid by drivers with frequent claims.
  • Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company you may save up to 20% and get you cheaper insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% because newer vehicles are generally safer.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • E-sign Discounts</strong – A handful of insurance companies will provide an incentive just for signing your application online.

You can save money using discounts, but some of the credits will not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

To view insurers that offer multiple discounts, click here to view.

How much auto insurance do I need?

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine whether you would benefit from professional advice.

  • How much can I save by bundling my policies?
  • If my 2018 Volvo V90 Cross Country is totaled, can I afford another vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Where can I find high-risk insurance?
  • Do I have coverage if my license is suspended?
  • What is PIP insurance?
  • Why am I required to get a high-risk car insurance policy?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specific coverages for a 2018 Volvo V90 Cross Country

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Auto liability insurance

This provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, medical services, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, falling objects, a broken windshield and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Volvo V90 Cross Country.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, EMT expenses, hospital visits, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your V90 Cross Country resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.