How many times have you told yourself it's time to shop around for more affordable Volvo XC90 insurance in San Antonio? Comparison shopping for more affordable Volvo XC90 insurance in San Antonio could be hard for drivers new to buying insurance online. Because there are so many online companies available, it can be a big hassle to find the perfect company for you.
It's hard to fathom, but the vast majority of consumers renewed their policy with the same company for four years or more, and 38% of drivers have never even shopped around for affordable coverage. San Antonio insurance shoppers could cut their rates by 70% a year by just comparing quotes, but they underestimate the amount of savings they would get if they switched to a more affordable policy.
You should take the time to price shop coverage at least once a year since rates are rarely the same from one policy term to another. Even if you got the best rate on Volvo XC90 insurance in San Antonio two years ago you may be paying too much now. There is lot of inaccurate information about XC90 insurance on the internet, but in just a couple of minutes you can learn a bunch of ideas how to find cheap auto insurance in San Antonio.
There are several ways of comparing price quotes from different companies. The best way to find the cheapest Volvo XC90 insurance rates is to perform an online rate comparison.
When comparing insurance rates, know that comparing more prices helps locate more affordable rates.
The companies shown below are ready to provide price comparisons in Texas. If several companies are displayed, it's a good idea that you visit as many as you can in order to find the most affordable rates.
Insurance does more than just protect your car
Even though it's not necessarily cheap to insure a Volvo in San Antonio, insuring your vehicle is mandatory in Texas but it also protects more than you think.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a lienholder, it's most likely the lender will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Volvo for a lot more money and require you to fork over the higher premium.
Third, insurance protects your Volvo and your assets. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying over $850 per year so we recommend shopping around every year to make sure the price is not too high.
Analysis of coverages
The table shown next highlights detailed analysis of coverage costs for Volvo XC90 models. Being more informed about how insurance prices are determined can help drivers make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XC90 3.2 2WD||$160||$312||$366||$22||$110||$970||$81|
|XC90 3.2 R-Design 2WD||$160||$312||$366||$22||$110||$970||$81|
|XC90 3.2 AWD||$178||$360||$366||$22||$110||$1,036||$86|
|XC90 V8 AWD||$178||$360||$366||$22||$110||$1,036||$86|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in garaging location in San Antonio which can influence price quotes greatly.
Careless driving habits raise insurance rates
The information below shows how speeding tickets and at-fault claims drive up Volvo XC90 insurance costs for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Liability only or full coverage
The information below shows the difference between Volvo XC90 car insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There isn't a steadfast formula to delete comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Volvo XC90 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Discounts for cheaper auto insurance rates
Some insurance providers don't necessarily list the entire discount list in a way that's easy to find, so the list below details both the well known and also the lesser-known credits that may apply to you.
- Defensive Driver Discounts - Participating in a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
- Accident Waiver - This isn't a discount exactly, but companies like Liberty Mutual and GEICO will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free for a certain period of time.
- Policy Bundle Discount - If you can combine your home and auto policy and insure them both with the same insurance company you may earn 10% to 20% off each policy.
- Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Fewer Miles Equal More Savings - Low mileage vehicles may allow you to get slightly better rates than normal.
- ABS Brakes - Vehicles with anti-lock braking systems prevent accidents so you can save 10 percent or more.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.
The chart below illustrates the difference between Volvo XC90 annual premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-car, and multi-policy discounts applied.
A few companies that may offer quotes with most of these discounts possibly include:
When comparing rates, check with each insurance company how many discounts you can get. Some discounts may not be available in your state. To view providers who offer cheap Volvo XC90 insurance quotes in San Antonio, click this link.
You may need help from a local insurance agent
Certain consumers still like to get advice from a local agent and that is just fine! One of the great benefits of getting online price quotes is you may find the lowest rates and still have an agent to talk to. Buying from local agencies is still important in San Antonio.
To help locate an agent, after submitting this quick form, your coverage information gets sent to insurance agents in San Antonio who will give you bids for your business. It's much easier because you don't need to do any legwork because prices are sent straight to your inbox. It's the lowest rates and work with a local agent. If you wish to quote rates from a specific auto insurance provider, don't hesitate to visit that company's website to submit a rate quote request.
The type of auto insurance agent you choose is important
If you want an insurance agent, it can be helpful to understand the different agency structures to choose from. Agents in San Antonio can be classified as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel are not restricted to one company so they can quote policies amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage and you won't have to switch agencies. When comparison shopping, you should always get quotes from a few independent agents so that you have a good selection of quotes to compare. Many write coverage with less well-known companies that may have much lower rates than larger companies.
Below is a partial list of independent insurance agencies in San Antonio that may be able to give price quotes.
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537 - View Map
- Ellis Insurance Agency
15335 San Pedro Ave - San Antonio, TX 78232 - (210) 979-9000 - View Map
- Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map
Exclusive Auto Insurance Agents
These agents are contracted to one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are usually well trained on their company's products and that allows them to sell at a higher price point. A lot of people use the same agent partially due to the brand name rather than having low rates.
Listed below is a short list of exclusive insurance agencies in San Antonio willing to provide price quote information.
- Gary Kennedy - State Farm Insurance Agent
3029 S WW White Rd - San Antonio, TX 78222 - (210) 337-1786 - View Map
- Terry Padilla - State Farm Insurance Agent
6633 S Zarzamora - San Antonio, TX 78211 - (210) 932-3399 - View Map
- Trent Rosenkranz - State Farm Insurance Agent
1840 S General McMullen Dr #109 - San Antonio, TX 78226 - (210) 433-9000 - View Map
Picking an insurance agent should include more criteria than just the premium amount. The following questions are important to ask.
- Do you need full coverage on every vehicle?
- Will they make sure you get an adequate claim settlement?
- Are you getting all the discounts the company offers?
- If independent agents, which companies do they recommend?
- Do they reduce claim amounts on high mileage vehicles?
- How many years of experience in personal auto insurance do they have?
Will just any policy work for me?
When buying the right insurance coverage for your personal vehicles, there really isn't a one-size-fits-all type of policy. Your needs are not the same as everyone else's.
For instance, these questions may help you determine whether or not you may require specific advice.
- Do I have coverage when making deliveries for my home business?
- Do I need roadside assistance coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I have coverage when pulling a U-Haul trailer?
- Is my custom stereo system covered?
If it's difficult to answer those questions, you might consider talking to an agent. If you don't have a local agent, simply complete this short form.
One last thing about your coverage
Budget-friendly auto insurance in San Antonio can be purchased online and also from your neighborhood San Antonio agents, and you should compare rates from both to have the best rate selection. Some companies do not provide the ability to get quotes online and most of the time these regional insurance providers prefer to sell through independent agencies.
We covered some good ideas how you can reduce Volvo XC90 insurance car insurance rates online in San Antonio. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with the least-expected company.
Consumers change insurance companies for any number of reasons including poor customer service, lack of trust in their agent, delays in paying claims or even high rates after DUI convictions. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.
Additional auto insurance information is available on the following sites:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has the Cheapest Auto Insurance Rates for State Employees in San Antonio? (FAQ)
- Who Has Affordable San Antonio Car Insurance Quotes for a Jeep Wrangler? (FAQ)
- How Much are Auto Insurance Quotes for Ride Shares in San Antonio? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Chevrolet Silverado in San Antonio? (FAQ)
- How Much are San Antonio Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)