Car Insurance Rates for a Volvo XC90 in Sacramento

It’s a fact that insurance companies don’t want you to look for a cheaper policy. Consumers who compare rates once a year are highly likely to switch car insurance companies because there are good odds of getting low-cost coverage. Remarkably, a study showed that people who compared prices once a year saved as much as $3,500 over four years compared to those who never shopped around for better prices.

If finding discount rates on car insurance is your target objective, then learning about how to shop and compare coverages can help you be more efficient.

Discount Volvo XC90 insuranceTruthfully, the best way to find better pricing on Volvo XC90 insurance in Sacramento is to annually compare prices from companies that sell auto insurance in California. Prices can be compared by following these guidelines.

The most important part of shopping around is to make sure you’re comparing identical limits and deductibles on each quote and and to get price quotes from all possible companies. This helps ensure an apples-to-apples comparison and a complete price analysis.

Cut Insurance Costs with These Tips

Many factors are taken into consideration when you get your auto insurance bill. Some are obvious like an MVR report, but others are less apparent like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know the different types of things that help calculate insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to big savings.

Listed below are just a few of the factors companies use to determine prices.

The following companies offer free rate quotes in California. To locate the cheapest auto insurance in Sacramento, we recommend you compare several of them to find the most competitive auto insurance rates.

Car insurance data for a Volvo XC90

The coverage information shown next covers different insurance prices for Volvo XC90 models. Knowing how prices are calculated is important for making smart choices when choosing a car insurance company.

Volvo XC90 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $378 $780 $534 $32 $160 $1,884 $157
XC90 3.2 R-Design 2WD $378 $780 $534 $32 $160 $1,884 $157
XC90 3.2 AWD $420 $898 $534 $32 $160 $2,044 $170
XC90 V8 AWD $420 $898 $534 $32 $160 $2,044 $170
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in your specific Sacramento location which can lower or raise premium rates considerably.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The data tables below illustrate the difference in cost between high and low coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Volvo XC90 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $386 $678 $442 $26 $132 $1,689 $141
XC90 3.2 R-Design 2WD $386 $678 $442 $26 $132 $1,689 $141
XC90 3.2 AWD $430 $780 $442 $26 $132 $1,835 $153
XC90 V8 AWD $430 $780 $442 $26 $132 $1,835 $153
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Volvo XC90 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $238 $426 $442 $26 $132 $1,264 $105
XC90 3.2 R-Design 2WD $238 $426 $442 $26 $132 $1,264 $105
XC90 3.2 AWD $266 $490 $442 $26 $132 $1,356 $113
XC90 V8 AWD $266 $490 $442 $26 $132 $1,356 $113
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can alter rates considerably.

Based on this data, using a $250 deductible costs approximately $38 more each month or $456 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 20 months between claims, you would save more money by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $147
Average monthly premium for $1,000 deductibles (subtract): – $109
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Careless Sacramento drivers pay higher rates

The illustration below highlights how traffic violations and at-fault fender-benders can influence Volvo XC90 car insurance rates for each age group. The premiums are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Impact of age and gender on car insurance rates

The diagram below illustrates the comparison of Volvo XC90 premium costs for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single status, and no discounts are factored in.

Does full coverage make sense?

The example below shows the difference between Volvo XC90 car insurance rates with full coverage compared to only the California minimum liability coverage. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Should you be buying full coverage?

There is no definitive rule for eliminating comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Volvo XC90 replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the deductible is paid. If it’s costing in excess of $300 a year for your policy with full coverage, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Why car insurance is not optional

Even though it’s not necessarily cheap to insure a Volvo in Sacramento, car insurance serves an important purpose.

The benefits of insuring your car outweigh the cost, especially when you need to use it. An average driver in America is currently overpaying as much as $820 a year so we recommend shopping around every year to help ensure money is not being wasted.

Discounts can help lower premiums on Volvo XC90 insurance in Sacramento

The price of auto insurance can be rather high, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but once in a while a discount must be asked about before being credited.Cheaper auto insurance with discounts

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you aren’t that lucky.

The illustration below illustrates the comparison of Volvo XC90 car insurance costs with and without discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-car, safe-driver, and multi-policy discounts applied.

Popular auto insurance companies and a partial list of their discounts can be found below.

When getting a coverage quote, ask each company the best way to save money. Some discounts listed above might not be offered in your area. If you would like to choose from a list of auto insurance companies with discount auto insurance rates in California, click here.

Buying insurance from Sacramento auto insurance agents

Certain consumers just want to talk to an insurance agent and that is a smart decision Good agents can help you choose the best coverages and will help you if you have claims. A nice benefit of comparing insurance prices online is that drivers can save money and get lower prices and also buy local.

To make it easy to find an agent, after completing this simple form, your insurance data is emailed to agents in your area that give free quotes for your business. There is no reason to search for any insurance agencies since price quotes are sent instantly to you. If you wish to get a price quote from a specific company, just go to their quote page and submit a quote form there.

Picking the best provider shouldn’t rely on just the price. A good agent in Sacramento will have answers to these questions.

If you are wanting to find a local Sacramento insurance agent, it’s helpful to know the different types of agents from which to choose. Insurance policy providers can be described as either independent agents or exclusive agents. Both types of agents can insure your vehicles properly, but we need to point out how they differ because it may have an impact on the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies work for only one company like Farmers Insurance and State Farm. They are unable to provide other company’s prices so it’s a take it or leave it situation. These agents are usually well trained on what they offer which helps them sell on service rather than price. Some insured continue to buy from the same agent for years primarily because of the brand name and the convenience of having a single billing for all their coverages.

The following is a short list of exclusive insurance agents in Sacramento willing to provide comparison quotes.

More Sacramento agents

Independent Agencies or Brokers

Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles through many different insurance companies depending on which coverage is best. If prices rise, the business is moved internally and you won’t have to switch agencies. If you need cheaper insurance rates, you will definitely want to get quotes from at least one independent agent in order to have the best price comparison. Most also write with less well-known companies that may provide cheaper insurance rates.

The following is a list of independent insurance agencies in Sacramento that can give you rate quotes.

More Sacramento agents

Don’t give up on cheap premiums

There are still a few companies who don’t offer online price quotes and these smaller companies only sell coverage through local independent agents. Lower-priced auto insurance in Sacramento can be found online as well as from independent agents in Sacramento, so you should be comparing quotes from both in order to have the best chance of saving money.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

We just showed you a lot of tips how to find affordable Volvo XC90 insurance in Sacramento. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable Sacramento car insurance quotes. Drivers may even discover the best prices are with a smaller regional carrier.

Additional auto insurance information can be found at these links: