Would you prefer to buy more competitive Volvo XC90 insurance in Houston? No one in their right mind likes buying auto insurance, especially when they know their premiums are too high.
Surprisingly, a recent survey revealed that the vast majority of auto insurance customers kept their coverage with the same auto insurance company for a minimum of four years, and almost 40% of drivers have never even compared quotes to find lower-cost rates. With the average premium in Texas being $2,679, drivers could save up to $1,800 every year just by shopping around, but they think it’s difficult to compare rates and save money.
Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurers to get the lowest rate on Volvo XC90 insurance in Houston.
It is always a good idea to shop coverage around occasionally due to the fact that insurance prices are variable and change quite frequently. Even if you think you had the best rates on Volvo XC90 insurance in Houston two years ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the fastest way to save money, get proper coverage and the best rates.
If you have auto insurance now, you will be able to shop for the lowest rates using these tips. Buying the cheapest auto insurance in Houston is much easier if you know where to start. But Texas drivers can benefit from knowing how insurance companies set your policy premium because rates fluctuate considerably.
Cheap companies for Volvo XC90 insurance in Texas
The auto insurance companies shown below can provide free rate quotes in Texas. If multiple companies are listed, it’s highly recommended you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $210 | $400 | $366 | $22 | $110 | $1,108 | $92 |
| XC90 3.2 R-Design 2WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| XC90 3.2 AWD | $336 | $620 | $392 | $24 | $118 | $1,490 | $124 |
| XC90 V8 AWD | $370 | $672 | $382 | $22 | $114 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in your specific Houston location which can decrease or increase premium rates significantly.
Deductible comparison
The chart below shows how choosing a deductible and can impact Volvo XC90 annual premium costs for each age group. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.
How high should deductibles be?
When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The tables below summarize how much more you’ll pay when you choose different coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| XC90 3.2 R-Design 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| XC90 3.2 AWD | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| XC90 V8 AWD | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| XC90 3.2 R-Design 2WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| XC90 3.2 AWD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| XC90 V8 AWD | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in Houston location which can alter coverage prices substantially.
Based on these figures, using a $100 deductible will cost in the ballpark of $46 more each month or $552 annually than buying the higher $1,000 deductible. Due to the fact that you would have 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 average more than 20 months between claims, you would save more money if you choose a higher deductible. Here’s a better example of how this determination is made.
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $46 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $46 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
An important sidenote is that higher deductibles means you will have to pay more of your own money if you have a claim. That will necessitate some extra savings in the event you need to pay the higher deductible in order to repair your vehicle.
Houston insurance discounts
Insurance can be pricey, but there may be some discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but some may not be applied and must be requested specifically before they will apply.
- Military Deployment Discount – Having a family member in the military could mean lower insurance rates.
- Pay Upfront and Save – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save at least 10 to 15 percent or more.
- Accident Forgiveness Coverage – Not a discount per se, but a few companies such as State Farm, Progressive and GEICO will turn a blind eye to one accident before your rates go up as long as you don’t have any claims before the accident.
- Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper because newer models are generally safer.
- Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 20% or more.
- Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
As a footnote on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.
Large insurance companies and a selection of discounts are included below.
- GEICO has savings for multi-vehicle, daytime running lights, anti-lock brakes, membership and employees, seat belt use, and military active duty.
- MetLife may include discounts for claim-free, good student, accident-free, good driver, multi-policy, and defensive driver.
- Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, multi-vehicle, and online signing.
- Travelers may offer discounts for hybrid/electric vehicle, multi-car, early quote, IntelliDrive, and payment discounts.
- SAFECO offers discounts including drive less, bundle discounts, teen safe driver, safe driver, and teen safety rewards.
- AAA has discounts for multi-policy, good driver, multi-car, education and occupation, and good student.
When quoting, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not apply in Houston. If you would like to choose from a list of insurers who offer insurance discounts in Houston, click here to view.
What Determines Volvo XC90 Insurance Rates?
The best way to find cheaper car insurance is to take a look at some of the factors that help calculate the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower car insurance prices. Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, but other criteria are more transparent like where you live and annual miles driven.
Urban areas may pay more – Choosing to live in small towns and rural areas is a positive aspect when it comes to car insurance. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims. City drivers have traffic congestion and longer commutes to work. More time behind the wheel means more chance of being in an accident.
Do you really need the add-on coverages? – Insurance companies have many additional coverages that you can get tricked into buying if you aren’t careful. Coverages for coverage for rental cars, accident forgiveness, and additional equipment coverage are some examples. The coverages may be enticing initially, but if you have no use for them consider taking them off your policy.
Keep the miles off and save – Driving more miles every year the more it will cost to insure it. A lot of insurance companies calculate prices based upon how much you drive. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your XC90 may be wasting your money. It’s always a good idea to double check that your vehicle rating states the correct driver usage, because it can save money.
Poor driving leads to higher rates – Being a careful driver has a lot to do with how much you pay for insurance. Just one driving citation may cause rates to rise to the point where it’s not affordable. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have gotten multiple tickets such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state in order to prevent a license revocation.
Get better rates if married – Your spouse can actually save you money on your car insurance policy. Having a spouse demonstrates that you tend to be more stable financially it has been statistically shown that married drivers get in fewer accidents.
Driver age impacts costs – Young drivers in Texas tend to be inattentive and easily distracted behind the wheel so they pay higher car insurance rates. Older drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.
Comparing prices from local Houston auto insurance agents
A small number of people just want to talk to an insurance agent. The best thing about getting free rate quotes online is that drivers can save money and get cheaper rates and still have an agent to talk to.
Upon completion of this quick form, your coverage information is submitted to local insurance agents in Houston who want to provide quotes for your auto insurance coverage. There is no reason to do any legwork because quoted prices will be sent directly to you. Get lower rates AND an agent nearby. If you wish to get a rate quote from one company in particular, you just need to jump over to their website and complete a quote there.
Choosing an insurer should include more criteria than just a cheap price. Get answers to these questions too.
- Are all drivers listed on the coverage quote?
- If independent agents, which companies do they recommend?
- Can glass repairs be made at your home?
- Are they paid to recommend certain coverages?
- Will a damage claim use OEM or aftermarket replacement parts?
- How would your car be valued if totalled?
- How long has their agency been in business in Houston?
Different types of car insurance agents in Houston
If you are searching for a good Houston insurance agent, it’s helpful to know the different types of agents and how they differ in how they quote coverages. Auto insurance agents in Houston may be either independent or exclusive.
Exclusive Auto Insurance Agents
Exclusive agents can only write with one company such as Allstate, State Farm and Farm Bureau. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage.
The following are Houston exclusive insurance agents who can help you get comparison quotes.
State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map
Independent Agencies or Brokers
These agents are not locked into one company so they have the ability to put coverage through many different auto insurance companies and find you cheaper rates. If prices rise, they simply switch companies in-house and you don’t have to do anything. If you need lower rates, you definitely need to get some free quotes from multiple independent agents in order to have the best price comparison.
Shown below is a list of independent agents in Houston who can help you get comparison quotes.
Hotchkiss Insurance Agency
13430 Northwest Fwy #600 – Houston, TX 77040 – (713) 956-9800 – View Map
El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map
Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map
If you get acceptable answers to all your questions as well as offering an affordable quote, it’s a good possibility that you have found an insurance agent that is a good match to insure your vehicles. Just keep in mind consumers can cancel your policy for any reason so don’t think you are locked into the auto insurance policy indefinitely.
Quote. Compare. Save.
We just showed you many tips how you can reduce Volvo XC90 insurance auto insurance rates online in Houston. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, GEICO and Progressive.
While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best cost.
More learning opportunities
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Handicapped Drivers in Houston? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a School Permit in Houston? (FAQ)
- Who Has Affordable Car Insurance Rates for a Chevrolet Silverado in Houston? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)