2009 Land Rover Range Rover Car Insurance Rates

Want cheaper insurance rates for your Land Rover Range Rover? I can’t think of a single person who looks forward to buying insurance, in particular when their premiums are through the roof. Big companies like Geico and Progressive constantly bombard you with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or are just looking to switch companies, you can use this information to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Vehicle owners just need to learn the most effective way to shop their coverage around on the web.

Auto Insurance Comparison Rates

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get prices fast.

All the larger companies take part in a program where insurance shoppers send in one quote, and each company provides a quote determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

To compare pricing click here to start a free quote.

The only drawback to pricing coverage this way is you can’t choose the providers to receive prices from. So if you prefer to pick specific providers for rate comparison, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using exactly the same deductibles and coverage limits on every quote you get. If the quotes have different deductibles then you won’t be able to make an equal comparison.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but there could be available discounts to help bring down the price. Most are applied when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums for Range Rover coverage.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Own a Home – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click this link.

Do I need special coverages?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover whether you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when driving on a suspended license?
  • Do I have coverage when using my vehicle for my home business?
  • When should I not file a claim?
  • What vehicles should carry emergency assistance coverage?
  • Is my ex-spouse still covered by my policy?
  • Is motorclub coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Your Land Rover Range Rover insurance rate is a complex equation

Smart consumers have a good feel for some of the elements that go into determining the price you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower insurance prices.

Listed below are some of the factors used by your company to calculate your rates.

  • Theft deterrents lower rates – Owning a car with an alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Land Rover from damage. Examples of covered claims are collision with another vehicle, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The more money you’re willing to pay, the less your insurance will be for Range Rover coverage.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when insuring your vehicles. City drivers regularly have much more traffic and longer commute times. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Land Rover Range Rover is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Do you have enough liability coverage? – The liability section of your policy is the protection if ever a court rules you are at fault for damages from an accident. It will provide legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Do you work long hours in a high stress job? – Careers like real estate brokers, business owners and accountants tend to have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and the unemployed receive lower rates for Range Rover coverage.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Collision – Collision coverage covers damage to your Range Rover resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, crashing into a ditch, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding, hail damage, falling objects and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Liability coverage – Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical expenses, pain and suffering, emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Have money to burn

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

The cheapest 2009 Land Rover Range Rover insurance can be found both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

More detailed auto insurance information is located in the articles below: