Cheaper 2014 Land Rover Range Rover Insurance Quotes

Searching for the cheapest insurance rates for your Land Rover Range Rover? Sick and tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers.

Multiple insurers compete for your business, so it’s not easy to compare every insurer and uncover the absolute cheapest price

How to Compare Auto Insurance Rates

When shopping for auto insurance there are multiple ways to compare rate quotes from different insurance companies. The best method to compare 2014 Land Rover Range Rover insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing a different quote to each individual auto insurance company. A single form gets you price quotes from multiple companies.

A more difficult way to compare rate quotes requires you to visit each company’s website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Liberty Mutual, Progressive and American Family. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

The hardest method of comparing rate quotes is driving around to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you want the professional advice of a licensed agent. You can, however, obtain prices from the web and get advice from an agent in your area.

It doesn’t matter which method you choose, just make sure you use exactly the same coverages and limits on every quote you get. If your comparisons have mixed coverages you will not be able to determine the lowest rate for your Land Rover Range Rover. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting auto insurance, remember that quoting more gives you a better chance of getting a lower rate.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, Geico and Progressive consistently run ads in print and on television. They all seem to say the same thing that you’ll save big if you change to them. But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer that is profitable for them. An example of a driver they prefer might be between 25 and 40, is a homeowner, and has a high credit rating. Any new insured who matches those parameters will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who fall outside the requirements will be charged higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings.

That is why it’s extremely important to get as many quotes as possible. It is impossible to predict which insurance companies will fit your personal profile best.

You probably qualify for some discounts

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Some discounts apply automatically at quote time, but a few need to be specifically requested prior to getting the savings.

  • Bundle and Save – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for Range Rover coverage.
  • Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Drivers Ed for Students – Have your child take driver’s ed class in school.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.

It’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask each insurance company how you can save money. Discounts may not be available everywhere.

There’s no such thing as the perfect policy

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if your insurance needs might need professional guidance.

  • What if I total my 2014 Land Rover Range Rover and owe more than it’s worth?
  • How many claims can I have before being cancelled?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I hit a deer?
  • Where can I get insurance after a DUI in my state?
  • Am I insured when driving a different vehicle?
  • Why does it cost so much to insure a teen driver?
  • Do I need medical payments coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance policy specifics

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Land Rover Range Rover.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Liability auto insurance

This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

This will pay to fix damage to your Range Rover resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from flooding, hail damage, falling objects and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Knowledge is power

Cheaper 2014 Land Rover Range Rover insurance is attainable on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Additional insurance information can be found at the links below