Nobody that owns a car likes buying car insurance, especially when they are aware that they could find lower prices if they just compared rates.
Amazlingly, a recent NerdWallet.com study showed that the vast majority of consumers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never compared rates with other companies. San Diego insurance shoppers can save 35% each year just by comparing rates, but they don’t want to take the time to do a rate comparison.
Many insurers vie for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rates possible on Volvo XC90 insurance in San Diego.
Best companies for Volvo XC90 insurance
The companies shown below are ready to provide comparison quotes in San Diego, CA. If the list has multiple companies, it’s a good idea that you click on several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC90 3.2 2WD||$332||$698||$500||$30||$150||$1,710||$143|
|XC90 3.2 R-Design 2WD||$332||$698||$500||$30||$150||$1,710||$143|
|XC90 3.2 AWD||$318||$580||$456||$26||$136||$1,516||$126|
|XC90 V8 AWD||$334||$664||$424||$26||$126||$1,574||$131|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can raise or lower premiums substantially.
Full coverage or liability only
The chart below illustrates the comparison of Volvo XC90 insurance rates with full coverage compared to only the California minimum liability coverage. The data assumes no accidents, no driving violations, $500 deductibles, single female driver, and no other discounts are factored in.
When to drop comprehensive and collision
There is no set rule of when to eliminate full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Volvo XC90 settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your deductible. If you are paying more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
You may qualify for discounts for Volvo XC90 insurance in San Diego
Auto insurance companies don’t always publicize all their discounts very well, so the below list has some of the best known and the more hidden discounts that you may qualify for.
- Senior Citizen Rates – Drivers over the age of 55 may qualify for a discount up to 10%.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Paper-free Discount – Some of the larger companies provide a small discount for buying a policy and signing up on the internet.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from San Diego and won’t have access to an insured vehicle may qualify for this discount.
- Professional Organizations – Having an affiliation with a qualifying organization could earn you a nice discount on your next renewal.
- Driver Training Discounts – Taking part in a defensive driver course may get you a small discount and easily recoup the cost of the course.
- Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and will save you 10% or more on XC90 insurance in San Diego.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on medical payment and PIP coverage.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
- New Vehicle Savings – Buying insurance coverage on a new vehicle can get you a discount because newer models have to meet stringent safety requirements.
A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.
Some of the larger companies that may offer some of the discounts shown above may include but are not limited to:
If you need lower rates, check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not be offered everywhere. To see companies who offer discounts in San Diego, click this link.
Buying car insurance from San Diego insurance agencies
Some people just prefer to talk to an insurance agent and that is a smart decision An additional benefit of getting free rate quotes online is that you can find lower rates and still have a local agent.
By using this short form, your insurance data gets sent to agents in your area who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact an agency since price quotes are sent straight to your inbox. Get lower rates AND an agent nearby. If you need to compare rates from a specific car insurance provider, just navigate to their website to submit a rate quote request.
Picking the best insurance company should include more criteria than just the price. These are some valid questions you should ask.
- Is there a local claims center in San Diego?
- What are the financial ratings for the companies they represent?
- Will your rates increase after a single accident?
- Do you need full coverage on every vehicle?
- Are there any extra charges for paying monthly?
- When do they do policy reviews?
- Can you use your own choice of collision repair facility?
- Is the coverage adequate for your vehicle?
Two different types of car insurance agents
If you want to use a reputable insurance agent or broker, it helps to know the two different agency structures and how they differ in how they quote coverages. Car insurance agencies are categorized either exclusive agents or independent agents.
Agents that choose to be exclusive can only provide pricing for a single company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot shop your coverage around so they really need to provide good service. These agents are well schooled on what they offer which can be an advantage.
The following are San Diego exclusive agents who can help you get price quotes.
Independent Agencies or Brokers
Agents that elect to be independent are not employed by one company and that enables them to quote your coverage with many different companies and potentially find a lower price. If they find a cheaper price, the agent simply finds a different carrier and you can keep the same agent. If you need lower rates, you definitely need to include rate quotes from several independent insurance agents so that you can do a thorough price comparison.
The following are San Diego independent agencies who can help you get rate quotes.
Car insurance coverage specifics
Learning about specific coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by car insurance companies.
Collision – Collision insurance covers damage to your XC90 resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as rolling your car, driving through your garage door, hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible on your XC90 to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as fire damage, damage from getting keyed, damage from flooding, rock chips in glass and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability insurance – Liability insurance provides protection from damage or injury you incur to people or other property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for things like medical expenses, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, doctor visits, EMT expenses, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Volvo XC90.
Due to the fact that many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Budget-conscious Volvo XC90 insurance can be bought online as well as from insurance agents, so get free San Diego car insurance quotes from both of them to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these smaller companies provide coverage only through independent insurance agencies.
In this article, we covered many tips how you can reduce Volvo XC90 insurance premium rates online in San Diego. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with a smaller regional carrier. These companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
Additional information is available below:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for Lyft Drivers in San Diego? (FAQ)
- Who Has Cheap San Diego Car Insurance Quotes After a Speeding Ticket? (FAQ)
- How Much are San Diego Auto Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Cheap San Diego Car Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Cheap Auto Insurance for a Honda CR-V in San Diego? (FAQ)
- Teen Driving Statistics (iihs.org)
- What is a Telematics Device? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)