Would you like to stop wasting money and find the cheapest Volvo XC90 insurance in Atlanta? Locating low-cost insurance for a Volvo XC90 in Georgia can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to compare rates for a Volvo and get the best price possible.
If you have a policy now or need a new policy, follow these tips to find better prices while maximizing coverage. Locating affordable coverage in Atlanta is simple if you know the tricks. Smart shoppers just have to know the proper methods to compare insurance rates on the web.
The providers in the list below provide comparison quotes in Georgia. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $214 | $404 | $370 | $22 | $110 | $1,120 | $93 |
| XC90 3.2 R-Design 2WD | $330 | $682 | $512 | $30 | $154 | $1,708 | $142 |
| XC90 3.2 AWD | $328 | $680 | $414 | $24 | $124 | $1,570 | $131 |
| XC90 V8 AWD | $204 | $450 | $444 | $26 | $134 | $1,258 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can increase or decrease premiums substantially.
Volvo XC90 annual premiums for males versus females
The diagram below illustrates the difference between Volvo XC90 auto insurance rates for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Car insurance quotes and discounts
Some insurance providers do not advertise all possible discounts very clearly, so the following list contains a few of the more common as well as some of the hidden discounts that may be available.
- Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts of more than 20%.
- Bundle and Save – When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of approximately 10% to 15%.
- Good Student – Excelling in school can save 20 to 25%. Most companies allow this discount until age 25.
- Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease with a few car insurance companies.
- Clubs and Organizations – Participating in certain professional organizations could trigger savings when getting a Atlanta auto insurance quote.
- Paper-free Discount – Some larger companies will give a small break for buying a policy and signing up on your computer.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on Atlanta auto insurance quote in comparison with frequent claim filers.
- Discount for Life Insurance – Some insurance carriers give a discount if you purchase life insurance.
Don’t be surprised that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.
Companies that possibly offer these benefits possibly include:
When getting free Atlanta auto insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above may not apply to policyholders in Atlanta. If you would like to view companies that offer many of these discounts in Atlanta, follow this link.
Why you need quality insurance for your Volvo XC90
Despite the high cost of buying insurance for a Volvo XC90 in Atlanta, car insurance is required by state law in Georgia and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to drive the car legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, more than likely the lender will stipulate that you have insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Volvo at a significantly higher premium and make you pay for the much more expensive policy.
- Insurance safeguards not only your car but also your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses 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 damage repairs after a deductible is paid.
The benefits of insuring your XC90 greatly outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is overpaying over $820 a year so it’s important to compare rates every year to help ensure money is not being wasted.
Tailor your insurance coverage to you
When it comes to coverage online or from an agent for your personal vehicles, there really isn’t a cookie cutter policy. Your financial needs are unique.
Here are some questions about coverages that can help discover whether or not you might need professional guidance.
- What is motorclub and do I need it?
- Should I carry comprehensive and collision coverage?
- What does medical payments cover?
- What is the rate difference between pleasure use and commuting?
- Am I covered if I have no license?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I break a side mirror?
- Does my Volvo XC90 qualify for pleasure use?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.
Compare rate quotes but buy from a local neighborhood Atlanta car insurance agent
Many drivers just prefer to get professional advice from a licensed agent and that can be a great decision Most agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of comparing auto insurance online is the fact that you can find cheap rate quotes but also keep your business local.
To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to agents in your area who will give you bids to get your business. There is no need to search for an agent since price quotes are sent to the email address you provide. If you want to get a rate quote from a specific auto insurance provider, you can always jump over to their website and complete a quote there.
Picking an company should include more criteria than just a cheap quote. You should also get answers to these questions.
- How is replacement cost determined on your vehicle?
- Is the coverage adequate for your vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they specialize in personal lines auto insurance in Atlanta?
- Do the companies they represent have a solid financial rating?
Shown below are Atlanta insurance companies that may be willing to give price quote information for Volvo XC90 insurance in Atlanta.
- Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map - Cleo Meyer – State Farm Insurance Agent
1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 – View Map - State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map - Kerry Mitchell – State Farm Insurance Agent
2900 Chamblee-Tucker Rd, Bldg 15 – Atlanta, GA 30341 – (770) 455-0017 – View Map