2012 Land Rover LR4 Car Insurance Quotes – 8 Tips for Cheaper Rates

Trying to find lower insurance coverage rates for your Land Rover LR4? Searching for low-cost insurance for a Land Rover LR4 can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to buy insurance coverage so we’re going to tell you the best way to compare rates for a Land Rover and get the cheapest rates from both online companies and local agents.

If you have a policy now or need a new policy, you can use these techniques to cut your premiums while maintaining coverages. Finding more affordable auto insurance is quite easy. Consumers just need to know how to shop their coverage around on the web.

Insurance Coverage Prices

Most companies quote insurance quotes online. Getting quotes is pretty painless as you simply enter the coverages you want as detailed in the form. Once you submit the form, the company’s rating system will order reports for credit and driving violations and generates a price based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to find better prices.

Isn’t there an easier way to compare rates?

An easier way to lower your rates requires only one form to get prices from many companies. This type of form saves time, reduces the work, and makes comparison shopping much easier. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the quote results. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and you will know how your current rates stack up.

In order to find out how much you’re overpaying now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. Doing this guarantees you’re receiving a fair comparison based on similar coverages.

Lower rates by qualifying for these eight discounts

Car insurance companies don’t list every discount very clearly, so the following is a list of some of the best known and the harder-to-find ways to save on car insurance. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Homeowners Discount – Owning a house can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

For a list of providers offering car insurance discounts, click here to view.

Car insurance is unique, just like you

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can aid in determining if you would benefit from professional advice.

  • How do I insure my teen driver?
  • Is my babysitter covered when using my vehicle?
  • Do I need an umbrella policy?
  • Do I need rental car coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to buy high-risk coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.


This coverage can cover damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, loss of income and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Land Rover LR4.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for EMT expenses, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your LR4 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, a broken windshield and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where someone dropped uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Budget-conscious 2012 Land Rover LR4 insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

We just covered many ways to save on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the most savings is with an unexpected company.

Much more information about car insurance is available on the following sites: