Compare Volvo XC90 Insurance Rates in Jersey City

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Anyone knows that insurance companies don't want you to look for cheaper rates. Drivers who shop around for cheaper rates are very likely to switch companies because of the good chance of finding a cheaper policy. A recent survey found that consumers who compared prices regularly saved about $3,450 over four years compared to people who never compared rates.

If finding the lowest price for Volvo XC90 insurance is your ultimate goal, then having a grasp of how to get free comparison quotes and analyze coverage rates can help make the process easier.

Insurance quote for Volvo XC90 in Jersey CityThe most effective way to save on Volvo XC90 insurance is to compare prices at least once a year from companies in Jersey City.

  1. Gain an understanding of how insurance companies determine prices and the measures you can take to keep rates in check. Many rating criteria that drive up the price such as traffic violations, accidents, and an unacceptable credit rating can be controlled by making minor driving habit or lifestyle changes.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote prices for many different companies.
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate quote, make sure there is no lapse in coverage.
  4. Provide written notification to your current company to cancel your current car insurance policy. Submit a signed application and payment to your new company or agent. Make sure you place the new certificate verifying proof of insurance in an accessible location in your vehicle.

The key thing to know about shopping around is that you'll want to compare the same liability limits and deductibles on every quote and and to analyze as many companies as you can. Doing this ensures an accurate price comparison and and a good selection of different prices.

The quickest method to get rate comparisons for Volvo XC90 insurance in Jersey City is to realize most of the larger companies pay for the opportunity to quote your coverage. All you need to do is provide a little information like distance driven, if you're married, which vehicles you own, and how much education you have. The rating information is sent automatically to multiple auto insurance providers and they return quotes immediately.

To compare rates for your Volvo XC90 now, click here and complete the quick form.

The companies in the list below can provide comparison quotes in Jersey City, NJ. To buy the best auto insurance in NJ, we suggest you visit as many as you can in order to find the most competitive rates.

Companies offer many discounts on Volvo XC90 insurance in Jersey City

Some insurers do not advertise the entire discount list very well, so we took the time to find both well-publicized and also the more inconspicuous credits available to bring down your rates.Auto insurance discounts

  • Life Insurance - If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
  • Defensive Driver Discounts - Successfully completing a defensive driver course could possibly earn you a 5% discount and make you a better driver.
  • Discounts for Good Drivers - Safe drivers can pay as much as 50% less than less cautious drivers.
  • Military Rewards - Being deployed in the military may qualify for rate reductions.
  • Early Renewal Discounts - Some insurance companies give discounts for switching policies prior to your current XC90 insurance policy expiration. You may see this discount when you get Jersey City car insurance quotes online.
  • Good Students Pay Less - Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

The chart below shows the comparison of Volvo XC90 annual premium costs with and without discounts applied to the rates. The information is based on a female driver, no claims or violations, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.

Insurance companies that may offer quotes with these money-saving discounts include:

When getting a coverage quote, ask every insurance company which discounts they offer. Savings may not be offered in your area. To choose providers that offer the discounts shown above in New Jersey, click here to view.

Statistics and details

The table shown below highlights estimates of policy rates for Volvo XC90 models. Having insight into how auto insurance premiums are established can help customers make informed decisions when shopping around for a new policy.

Volvo XC90 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $424 $810 $496 $30 $148 $1,908 $159
XC90 3.2 R-Design 2WD $424 $810 $496 $30 $148 $1,908 $159
XC90 3.2 AWD $474 $932 $496 $30 $148 $2,080 $173
XC90 V8 AWD $474 $932 $496 $30 $148 $2,080 $173
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in zip code location which can lower or raise premium rates substantially.

Can higher deductibles save money?

The hardest decision when buying coverage is at what level do you set your deductibles. The rates shown below can help you understand the differences in price between high and low policy deductibles. The first table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Volvo XC90 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $466 $880 $480 $28 $144 $2,023 $169
XC90 3.2 R-Design 2WD $466 $880 $480 $28 $144 $2,023 $169
XC90 3.2 AWD $520 $1014 $480 $28 $144 $2,211 $184
XC90 V8 AWD $520 $1014 $480 $28 $144 $2,211 $184
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Volvo XC90 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $340 $594 $480 $28 $144 $1,586 $132
XC90 3.2 R-Design 2WD $340 $594 $480 $28 $144 $1,586 $132
XC90 3.2 AWD $380 $684 $480 $28 $144 $1,716 $143
XC90 V8 AWD $380 $684 $480 $28 $144 $1,716 $143
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific location which can impact premium rates significantly.

Based on these figures, using a $100 deductible costs approximately $39 more each month or $468 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 10 months between claim filings, you would probably be better off if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $177
Average monthly premium for $500 deductibles (subtract): - $138
Monthly savings from raising deductible: $39
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

The example below highlights how deductible choice and can change Volvo XC90 yearly insurance costs for each different age group. The data is based on a single male driver, comp and collision included, and no discounts are factored in.

How accidents and violations affect rates in Jersey City

The diagram below demonstrates how traffic citations and at-fault collisions impact Volvo XC90 yearly insurance costs for different age groups of insureds. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Volvo XC90 insurance costs by age and gender

The illustration below compares Volvo XC90 yearly insurance costs for male and female drivers. The prices are based on no claims or violations, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The chart below illustrates the difference between Volvo XC90 insurance premiums with and without physical damage coverage. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied.

When to stop buying full coverage

There is no exact rule of when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Volvo XC90 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If premiums are more than $700 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where buying only liability insurance is not advised. If you haven't satisfied your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.