1996 Land Rover Range Rover Insurance Rates

Searching for the cheapest insurance for your Land Rover Range Rover could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage on a Land Rover and find the cheapest rates either online or from local insurance agents.

Finding the lowest cost coverage is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can learn to reduce the price you pay and possibly find even better coverage. Vehicle owners only need an understanding of the best way to compare rates online.

How to get insurance coverage quotes

Comparing insurance coverage rates can be a lot of work if you don’t utilize the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company then gives them pricing determined by their information. This eliminates the need for quotation requests for each company.

To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is you cannot specify the companies to get pricing from. So if you want to select specific insurance companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the same coverage data for each quote you get. If each company quotes different limits and deductibles on each one it will be next to impossible to find the best deal for your Land Rover Range Rover.

Discount auto insurance rates

Some providers don’t always advertise their entire list of discounts in a way that’s easy to find, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you are just wasting money.

• Professional Organizations – Being in a civic or occupational organization could trigger savings on your next renewal.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Range Rover insurance compared to accident prone drivers.
• More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Employee of Federal Government – Simply working for the federal government could provide a small rate reduction on Range Rover insurance with a few auto insurance companies.

Remember that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Some of the insurance companies that may offer policyholders some of the above discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you need cheap insurance coverage quotes, ask all the companies which discounts you qualify for. Savings may not apply to policyholders everywhere. If you would like to view insurers who offer auto insurance discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

• Does my policy cover me when driving someone else’s vehicle?
• Are rental cars covered under my policy?
• Is business property covered if stolen from my car?
• What is an SR-22 filing?
• Which is better, split liability limits or combined limits?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need medical payments coverage since I have good health insurance?
• Does my policy pay for OEM or aftermarket parts?
• Should I rate my 1996 Land Rover Range Rover as pleasure use or commute?
• Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 1996 Land Rover Range Rover

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, funeral costs, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, rolling your car, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

This provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, hitting a deer and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Land Rover Range Rover.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.