1993 Land Rover Range Rover Insurance Quotes – 6 Discounts for Best Rates

There isn’t anyone who looks forward to buying insurance, particularly when their premiums are too high. There is such a variety of insurers to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare company pricing.

Insurance quotes comparison

Shopping for lower insurance rates can be exhausting if you don’t understand the best way to get rate quotes. You could waste time driving to agents in your area, or you could use the internet to get prices fast.

Most of the best insurance companies participate in an industry program where prospective buyers send in one quote, and each company returns a competitive quote based on that information. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To find out what other companies charge click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify the companies you will receive quotes from. So if you prefer to pick from a list of companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare exactly the same coverage data for every company. If your comparisons have different data you will not be able to find the best deal for your Land Rover Range Rover.

Will just any policy work for me?

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you might need an agent’s assistance.

• How can I get high-risk coverage after a DUI?
• Am I covered when driving a rental car?
• Can I afford to pay high deductible claims out of pocket?
• Do I have newly-aquired coverage?
• What is UM/UIM insurance?
• Do I need more liability coverage?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, fire damage, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage covers damage to your Range Rover caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as loss of income, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses such as surgery, doctor visits and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.