How Much Does 2012 Land Rover Range Rover Sport Car Insurance Cost?

Finding better insurance prices for your Land Rover Range Rover Sport can be a painful process, but you can learn a few tricks to save time. There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Land Rover and find the lowest price from both online companies and local agents.

It’s a good idea to take a look at other company’s rates every six months since insurance rates trend upward over time. Even if you think you had the best deal on Range Rover Sport insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to buy cheaper car insurance.

If you are insured now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Locating the cheapest protection is not that difficult. Drivers just need to learn the proper methods to compare company rates online.

How to save on Land Rover Range Rover Sport insurance

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount possible, you are paying more than you should be.

  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates if you are claim-free for a set time period.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer these discounts are:

Check with all companies you are considering which discounts you may be entitled to. Savings might not apply in your area.

Which Insurance Coverage is Cheapest?

Most companies provide coverage prices on the web. Getting quotes doesn’t take much effort as you simply enter the coverage amounts you desire into a form. Once you submit the form, the company’s rating system gets reports for credit and driving violations and provides a quote based on these factors.

This simplifies rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information is monotonous and tiresome. But it’s very important to perform this step in order to find the best price possible.

Isn’t there an easier way to compare rates?

The smarter way to locate the lowest prices makes use of a single form to get prices from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes much easier to do. Once the form is submitted, it is rated with multiple companies and you can pick any one of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you replicate your coverages as shown on your current policy. This helps ensure you are getting rate comparison quotes for exact coverage.

Why your Land Rover Range Rover Sport might be costing you more

Smart consumers have a good feel for some of the elements that help determine the rates you pay for insurance coverage. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Always keep insurance in force – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • With age comes lower rates – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers are known to be less responsible when behind the wheel therefore insurance coverage rates are much higher.
  • Bundling policies can get discounts – Many insurance coverage companies provide better rates to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money. You may still find a better deal by buying insurance coverage from a different company.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are willing to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more expense you have to pay, the lower your rates will be on Range Rover Sport insurance.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If the Land Rover Range Rover Sport is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
  • Liability coverage is peace of mind – Liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your 2012 Land Rover Range Rover Sport by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers with poor credit.

Tailor your coverage to you

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Does coverage extend to Mexico or Canada?
  • Is my cargo covered for damage or theft?
  • How can I find cheaper teen driver insurance?
  • Is motorclub coverage worth it?
  • What is the ISO rating for a 2012 Land Rover Range Rover Sport?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Land Rover Range Rover Sport.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, rolling your car, colliding with a tree, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like hospital visits, pain medications, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, fire damage, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy Smart and Save

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Consumers switch companies for many reasons like unfair underwriting practices, questionable increases in premium, an unsatisfactory settlement offer or high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Lower-priced 2012 Land Rover Range Rover Sport insurance is definitely available both online and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Much more information about insurance coverage can be read below: