Compare Volvo XC90 Insurance Quotes in Honolulu

The recommended way to save on Volvo XC90 insurance in Honolulu is to start comparing rates regularly from insurance carriers that sell auto insurance in Hawaii.

  1. Get a basic knowledge of how insurance companies determine prices and the measures you can control to keep rates in check. Many factors that drive up the price like accidents, careless driving, and an imperfect credit rating can be rectified by paying attention to minor details.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple sources. Select a company
  3. Compare the new quotes to your current policy to determine if you can save on XC90 insurance. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
  4. Provide adequate notice to your current company of your intent to cancel your current coverage. Submit the application along with any required down payment to your new agent or company. Don’t forget to safely store the proof of insurance certificate along with your vehicle registration.

The most important part of this process is to try to compare the same coverage limits and deductibles on every quote and and to get price estimates from every company you can. This enables the most accurate price comparison and a thorough price selection.

Insurance rates Volvo XC90 in HonoluluA recent car insurance study revealed that the vast majority of consumers have purchased from the same company for more than four years, and almost half have never even compared rates from other companies. Honolulu insurance shoppers could cut their rates by approximately 40% a year by just comparing quotes, but they just don’t want to compare rate quotes.

Getting a cheaper price on Volvo XC90 insurance is an easy way to save money. All that’s required is to take the time to compare rate quotes to find the company with inexpensive Honolulu car insurance quotes.

Doing online quotes comparisons is so easy that it takes the place of having to drive around to local Honolulu insurance agencies. Quoting Volvo XC90 insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional advice of a licensed agent. It is possible with some companies obtain prices from the web and have a local agent actually service the policy.

The providers in the list below are ready to provide comparison quotes in Hawaii. If multiple providers are shown, we suggest you visit two to three different companies to get a more complete price comparison.

Volvo XC90 coverage statistics

The information shown below covers detailed analysis of rate quotes for Volvo XC90 models. Being able to understand how insurance prices are formulated is important for you to make smart choices when comparing insurance rates.

Volvo XC90 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $182 $320 $270 $16 $80 $868 $72
XC90 3.2 R-Design 2WD $182 $320 $270 $16 $80 $868 $72
XC90 3.2 AWD $202 $370 $270 $16 $80 $938 $78
XC90 V8 AWD $202 $370 $270 $16 $80 $938 $78
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in vehicle location which can modify prices greatly.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The premium rates below show the price difference when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Volvo XC90 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $258 $484 $264 $16 $80 $1,127 $94
XC90 3.2 R-Design 2WD $258 $484 $264 $16 $80 $1,127 $94
XC90 3.2 AWD $286 $558 $264 $16 $80 $1,229 $102
XC90 V8 AWD $286 $558 $264 $16 $80 $1,229 $102
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Volvo XC90 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XC90 3.2 2WD $188 $328 $264 $16 $80 $876 $73
XC90 3.2 R-Design 2WD $188 $328 $264 $16 $80 $876 $73
XC90 3.2 AWD $210 $378 $264 $16 $80 $948 $79
XC90 V8 AWD $210 $378 $264 $16 $80 $948 $79
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific garaging location which can decrease or increase price quotes significantly.

Based on the above data, using a $100 deductible will cost you about $22 more each month or $264 for a full year than requesting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claim filings, you would most likely save money if you elect the higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $98
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a claim. You must have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

The information below demonstrates how deductible levels and can impact Volvo XC90 insurance premiums for different insured age categories. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.

Should you buy full coverage?

The information below visualizes the comparison of Volvo XC90 car insurance rates with and without full coverage. The costs are based on no claims or violations, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to buy liability coverage only

There is no clear-cut rule of when to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your Volvo XC90 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your deductible. If premiums are more than $200 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Volvo XC90 insurance discounts in Honolulu

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Many of these discounts will be applied automatically at the time of quoting, but some need to be asked for before you get the savings. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.Cheaper car insurance with discounts

Drivers should understand that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will definitely lower your policy premium.

The diagram below illustrates the difference between Volvo XC90 insurance rates with and without policy discounts. The price estimates are based on a female driver, no claims or driving violations, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, marriage, and safe-driver discounts applied.

A few popular companies and some of the discounts can be read below.

Double check with each insurance company how you can save money. Depending on the company, some discounts might not be offered in Honolulu.

Three reasons to not skimp on insurance

Despite the high cost of buying insurance for a Volvo XC90 in Honolulu, buying insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in Hawaii is currently overpaying as much as $830 a year so compare quotes from several companies at least once a year to ensure rates are inline.

Buying from insurance agents

Many drivers would prefer to get advice from a local agent and that can be a smart move Professional insurance agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get lower rates and still buy from a local agent.

Find insurance agent in HonoluluBy using this simple form, your coverage information is instantly submitted to local insurance agents in Honolulu who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent to you directly. If you wish to get a comparison quote from a particular provider, don’t hesitate to jump over to their website and submit a quote form there.

Selecting an insurer should include more criteria than just the premium amount. These are some valid questions you should ask.

Two types of auto insurance agents

If you want to use local Honolulu agents, you need to know there are two different agency structures from which to choose. Agents are categorized either independent agents or exclusive agents. Both types of agents can sell and service car insurance coverage, but it’s worth learning the difference in how they write coverage since it could factor into the type of agent you choose.

Exclusive Insurance Agencies

These type of agents can only write with one company like AAA, Allstate, and State Farm. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Below is a list of exclusive insurance agents in Honolulu who may provide you with rate quotes.

1130 N Nimitz Hwy Rm A260Honolulu, HI 96817(808) 664-0970View Map

1221 Kapiolani Blvd #1015Honolulu, HI 96814(808) 593-9288View Map

6700 Kalanianaole Hwy #204Honolulu, HI 96825(808) 395-5433View Map

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Independent Car Insurance Agents

Independent agents do not have single company limitations so they have the ability to put coverage through many companies and get the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When comparing car insurance rates, it’s recommended you get several quotes from a couple of independent agencies in order to have the best price comparison.

Below is a list of independent agencies in Honolulu willing to provide price quote information.

1022 Bethel StHonolulu, HI 96813(808) 643-4000View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map

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