The most effective way to get cheaper Volvo XC90 insurance is to make a habit of regularly comparing prices from insurers in Boston.
- First, read about how your policy works and the measures you can control to lower rates. Many things that cause rate increases like multiple speeding tickets and poor credit rating can be remedied by paying attention to minor details.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide prices from multiple sources.
- Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in Boston. If you can save some money and change companies, make sure coverage does not lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current car insurance policy and submit a down payment along with a completed application to your new agent or company. When you receive it, put the proof of insurance paperwork along with your vehicle registration.
A good piece of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to get price estimates from every company you can. Doing this helps ensure an apples-to-apples comparison and many rates to choose from.
A recent auto insurance study revealed that over 70% of consumers have purchased from the same company for at least the last four years, and about 40% of consumers have never compared rate quotes at all. Many consumers in Massachusetts could save an average of approximately 45% each year just by shopping around, but most tend to underestimate the big savings they would realize if they switch to a new company.
Just remember that more quotes helps improve the odds of finding the best offered rates.
The car insurance companies shown below provide free quotes in Boston, MA. To get cheap auto insurance in Boston, we recommend you get rate quotes from several of them to get the most affordable price.
Insurance statistics and figures
The coverage table shown next showcases detailed analysis of coverage prices for Volvo XC90 models. Having a good grasp of how insurance prices are established is important for you to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $176 | $370 | $404 | $24 | $122 | $1,096 | $91 |
| XC90 3.2 R-Design 2WD | $176 | $370 | $404 | $24 | $122 | $1,096 | $91 |
| XC90 3.2 AWD | $196 | $428 | $404 | $24 | $122 | $1,174 | $98 |
| XC90 V8 AWD | $196 | $428 | $404 | $24 | $122 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Boston which can decrease or increase prices significantly.
How high should deductibles be?
A question often asked by Boston drivers is which deductibles should you choose. The following insurance rates lay out the differences in price when you choose different physical damage deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| XC90 3.2 R-Design 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| XC90 3.2 AWD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| XC90 V8 AWD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| XC90 3.2 R-Design 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| XC90 3.2 AWD | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| XC90 V8 AWD | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can influence rates greatly.
Based on the figures above, using a $100 deductible will cost you about $41 more each month or $492 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 22 months between claim filings, you would probably be better off if you choose a higher deductible.
Illustration showing the impact of accidents and violations
The illustration below demonstrates how speeding tickets and at-fault fender-benders can affect Volvo XC90 car insurance costs for different age groups. Data assumes a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Should you buy full coverage?
The chart below shows the difference between Volvo XC90 auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The rate quotes are based on no violations or accidents, $500 deductibles, single status, and no policy discounts are applied.
When to eliminate full coverage
There is no set rule to exclude physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Volvo XC90 replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your policy deductible. If you are paying in excess of $500 annually for full coverage, then it might be time to buy liability only.
There are some cases where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Get cheaper Volvo XC90 insurance rates in Boston
The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but some need to be requested specifically before being credited.
- Data Collection Discounts – Policyholders that allow their auto insurance company to scrutinize vehicle usage by installing a telematics device such as Progressive’s Snapshot might see lower rates if they have good driving habits.
- Smart Student Discounts – Getting good grades may save as much as 25% on a Boston auto insurance quote. This discount can apply well after school through age 25.
- Bundle and Save – If you combine your homeowners and auto policies and place coverage with the same company you will save approximately 10% to 15%.
- Home Ownership Discount – Owning a house in Boston can get you a discount because it demonstrates responsibility.
- Professional Organizations – Having an affiliation with a qualifying organization can get you a small discount when getting a Boston auto insurance quote.
- Accident Free – Insureds with no claims or accidents have much lower rates as compared to accident-prone drivers.
Consumers should know that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, you won’t be that lucky.
The information below visualizes the comparison of Volvo XC90 car insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving citations, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.
If you would like to view insurance companies with the best Volvo XC90 insurance discounts in Boston in Massachusetts, click here to view.
Three reasons car insurance is important
Despite the high insurance cost for a Volvo XC90 in Boston, car insurance may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability protection in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your XC90 has a lienholder, most banks will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Volvo at a more expensive rate and make you pay for the much more expensive policy.
- Insurance safeguards both your assets and your Volvo XC90. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If you have damage to your Volvo as the result of the weather or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying over $830 a year so you should quote and compare rates at every policy renewal to make sure the price is not too high.
It’s not one size fits all
When buying adequate coverage for your vehicles, there really isn’t a best way to insure your cars. Everyone’s situation is a little different and your auto insurance should unique, too.
For example, these questions might help in determining whether your personal situation would benefit from professional advice.
- How do I file an SR-22 for a DUI in Massachusetts?
- Is my camper covered for physical damage?
- Why do I only qualify for high-risk insurance?
- Should I put collision coverage on all my vehicles?
- Is my trailer covered?
- Is there a penalty for late payment?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Comparing prices from local Boston auto insurance agents
Many people still like to buy from a licensed agent and that can be a great decision A good thing about getting free rate quotes online is you may find lower rates and also buy local. Supporting local agencies is still important in Boston.
After filling out this form (opens in new window), the coverage information gets sent to agents in your area that can provide free Boston auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies since rate quotes are delivered immediately to your email address. You’ll get the best rates and a licensed agent to talk to. If you have a need to compare rates for a specific company, just find their quoting web page and give them your coverage information.
Pick the best car insurance agent in Boston for you
When finding a reliable insurance agency, you should know the types of insurance agents and how they can service your needs differently. Auto insurance agencies are considered either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agencies
These type of agents are not employed by one company so they can quote policies through many companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage which makes it simple for you.
If you are comparing rate quotes, it’s recommended you include a couple of independent agencies in order to compare the most rates. Most have the option of insuring with small mutual carriers which may have better rates.
Shown below is a short list of independent insurance agencies in Boston who may be able to give you cheap rate quotes.
- H R Hatch Insurance Agency, Inc
31 Milk St #410 – Boston, MA 02109 – (617) 426-3711 – View Map - One Call Insurance
121 Tremont St – Boston, MA 02135 – (617) 782-2255 – View Map - Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map
Exclusive Insurance Agents
Agents of this type have only one company to place business with such as Allstate, Farmers Insurance or State Farm. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are very knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some insured continue to buy from exclusive agents mainly due to the brand and the convenience of having all coverages with one company.
Listed below are exclusive insurance agents in Boston that are able to give comparison quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Picking the best auto insurance agent needs to be determined by more than just a cheap price. These are some questions you should get answers to.
- Will they make sure you get an adequate claim settlement?
- How many years of experience in personal auto insurance do they have?
- Is there a 24/7 contact number?
- Can you contact them at any time?
- How are claims handled?
- Is the agent properly licensed in Massachusetts?
After you get reasonable responses for all questions you ask and cheap XC90 insurance quotes, most likely you have located an insurance agent that is reliable enough to adequately provide auto insurance.