Cheaper 1992 Land Rover Range Rover Car Insurance Quotes

Want the cheapest auto insurance rates for your Land Rover Range Rover? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than many other consumers.

Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with TV and radio ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

The quickest method we recommend to get policy rate comparisons is to know the trick auto insurance companies will pay a fee to give rate comparisons. All consumers are required to do is provide the companies a bit of rating information including how old drivers are, how much education you have, the make and model of your vehicles, and if you lease or own. That rating data is submitted instantly to insurance carriers in your area and they return cost estimate with very little delay.

To start a rate quote now, click here and enter your zip code.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions can help discover if your situation may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • What discounts do I qualify for?
  • Do I benefit by insuring my home with the same company?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if my car is in a flood?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, EMT expenses, prosthetic devices, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Range Rover resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as court costs, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.