Save on 1997 Volvo V90 Car Insurance Quotes

Are you overwhelmed by the sheer number of insurance coverage choices? You’re not the only one! People have so many companies to choose from that it can easily become a real hassle to find better rates.

Consumers should take time to price shop coverage occasionally since insurance rates are adjusted regularly by insurance companies. Just because you had the best deal on V90 insurance six months ago there is a good chance you can find better rates now. Starting now, ignore everything you know about insurance coverage because we’re going to show you the tricks you need to know to find lower rates on insurance coverage.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t list all available discounts very well, so we researched both the well known as well as the least known insurance savings.

  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount when buying insurance on V90 insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on V90 insurance with certain companies.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on V90 insurance than their less cautious counterparts.
  • Military Discounts – Having a deployed family member can result in better rates.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of companies who offer insurance discounts, click here to view.

How to Compare Car Insurance Quotes

The are a couple different ways to get quotes from local car insurance companies. One of the best ways to compare 1997 Volvo V90 insurance prices is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The best way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quotes for each company you want a rate for. A single form will return quotes from car insurance companies with the best prices. Just one form and you’re done.
  • A more time consuming way to analyze rates is to manually visit the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want rates from Allstate, Farmers and Progressive. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least efficient method to get comparison rates is driving around to different agent offices. The internet can eliminate the need for a local agent unless you want the personal advice of a licensed agent. Drivers can get prices online but buy from a local insurance agent.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverages for each price quote. If you are comparing mixed coverages it will be very difficult to find the best deal for your Volvo V90. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that comparing more company’s prices helps locate a lower rate.

Parts of the Volvo V90 rate equation

It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better insurance rates.

  • Small claims can cost you – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies generally give lower rates to policyholders who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Volvo. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more expense the insured has to pay upfront, the bigger discount you will receive on V90 insurance.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that can waste your money on your 1997 V90 policy. Coverages like roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so get rid of them and save.
  • Lower miles equals lower premium – Driving more miles each year the higher your rates will be. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated V90 may be wasting your money. Double check that your insurance coverage is rated on the proper vehicle usage.
  • More people means more accidents – Residing in small towns and rural areas can be a good thing when buying insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but men have costlier accidents. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.
  • One company can mean more discounts – Most insurance companies will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by buying insurance from a different company.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and thus lower rates. If the Volvo V90 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the minimum liability in my state?
  • Should I get collision insurance on every vehicle?
  • Are rental cars covered under my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving a rental car?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Don’t believe everything you hear

Car insurance providers like GEICO, State Farm and Progressive continually stream ads in print and on television. They all say the same thing of big savings after switching to their company. How does each company say the same thing?

All companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk might be over the age of 50, has no tickets, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match these standards must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can state the savings. This illustrates why drivers should compare as many rates as you can. It’s not possible to predict which car insurance company will give you the biggest savings on Volvo V90 insurance.

Insurance policy specifics

Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.


This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as hospital visits, prosthetic devices, chiropractic care and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle, theft, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1997 Volvo V90.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

At the end of the day…

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, poor customer service, policy non-renewal and unfair underwriting practices. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

We just showed you a lot of tips how to get a better price on 1997 Volvo V90 insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company.

Cost effective insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

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