View 2018 Land Rover Range Rover Evoque Car Insurance Rates

Want lower auto insurance rates for your Land Rover Range Rover Evoque? Did a good deal turn into an underperforming, overpriced auto insurance policy? Say no more because there are lots of people in the same boat.

Insurance companies such as State Farm, Progressive and Geico all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

Consumers should take time to price shop coverage at least once a year because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Range Rover Evoque coverage a year ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn the easiest way to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Buying car insurance is not that difficult. Although consumers need to learn how the larger insurance companies price insurance differently and use this information to your advantage.

How to compare insurance coverage price quotes

To find low cost prices, there are a couple of ways of comparing price quotes from local insurance coverage companies. By far the easiest way to find affordable 2018 Land Rover Range Rover Evoque insurance rates is simply to get online rate quotes. This can be done in several different ways.

If you’re in a hurry, the quickest way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This style of form eliminates the need for boring form submissions for every company. One quote request gets you coverage quotes from all major companies.

A more time consuming way to find more affordable insurance consists of going to each individual company website and go through the quote process again. For sake of this example, we’ll pretend you want to compare rates from State Farm, Allstate and Geico. To get each rate you have to visit each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using the exact same coverages and limits for each price quote. If you are comparing differing limits then you won’t be able to get a fair rate comparison. Even a minor difference in insurance coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Some companies don’t provide online price quotes, so it’s necessary to compare prices on coverage from those companies, too.

Take advantage of these discounts

Companies don’t always publicize every discount they offer in a way that’s easy to find, so the list below gives a summary of some of the more common and also the more inconspicuous discounts that you may qualify for. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.
  • Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate and Progressive will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Memberships – Joining qualifying clubs or civic groups may earn a discount when shopping for auto insurance.
  • Early Signing – A few companies allow discounts for switching policies prior to your current policy expiration. Ten percent is about the average savings.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies that possibly offer some of the above discounts are:

Before buying, ask each insurance company to apply every possible discount. Discounts might not be offered on policies in your area. If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes, click here.

Special considerations

When buying coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Am I covered by my spouse’s policy after a separation?
  • Is my teen driver covered when they drive my company car?
  • Do I need replacement cost coverage?
  • Does car insurance cover theft of personal property?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Collision coverage protection

This covers damage to your Range Rover Evoque from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, crashing into a building, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.


This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses such as surgery, chiropractic care, dental work and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage