Lower Your 1997 Land Rover Range Rover Insurance Quotes

Searching for better car insurance rates for your Land Rover Range Rover? Being forced to pay for pricey car insurance premiums can drain your savings and maybe even restrict other spending. Performing a rate comparison can save money and help to ensure you are getting the best deal.

Popular companies such as State Farm, Progressive and Geico increase brand awareness with TV and radio ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to know the most efficient way to shop online.

How to find low cost insurance coverage

There are a lot of ways to compare insurance coverage quotes, but some are easier and takes less work. You could waste time driving to insurance companies in your area, or you can stay home and use the internet for quick rates.

Many companies take part in a program where prospective buyers submit their information once, and at least one company returns a rated price based on that information. This saves time by eliminating quote requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The single downside to pricing coverage this way is that you can’t choose the providers you want pricing from. If you wish to select from a list of companies to compare, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you compare apples-to-apples deductibles and coverage limits with every price quote. If you use unequal deductibles or liability limits it’s impossible to make an equal comparison.

Earn discounts to get lower-cost car insurance rates

Some insurers don’t always publicize every disount available in an easy-to-find place, so here is a list some of the best known as well as the least known ways to save on car insurance.

  • E-sign – Some of the larger companies will give a small break for completing your application digitally online.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class in high school.
  • Save with a New Car – Insuring a vehicle that is new can be considerably cheaper because newer models keep occupants safer.
  • ABS Braking Discount – Cars with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • Club Memberships – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your policy.
  • Bundle and Save – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.

Remember that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

Large car insurance companies and a selection of discounts include:

  • Progressive offers discounts for homeowner, multi-policy, online signing, good student, multi-vehicle, and continuous coverage.
  • MetLife may offer discounts for accident-free, good driver, claim-free, defensive driver, and multi-policy.
  • Mercury Insurance has discounts for multi-policy, good driver, ease of repair, low natural disaster claims, and professional/association.
  • Nationwide has savings for accident-free, multi-policy, defensive driving, family plan, and anti-theft.
  • Geico policyholders can earn discounts including anti-lock brakes, multi-vehicle, good student, air bags, membership and employees, driver training, and emergency military deployment.
  • AAA may have discounts that include good student, AAA membership discount, multi-car, pay-in-full, good driver, and anti-theft.

Before you buy a policy, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Find cheaper car insurance with these tips

Consumers need to have an understanding of some of the things that play a part in calculating the level of your policy premiums. When you understand what determines premiums, this enables informed choices that may reward you with lower rates.

The items below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Mature drivers save more – Older, more experienced drivers are more cautious drivers, tend to file fewer claims , and are generally more financially stable.Inexperience drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle so car insurance rates are higher.
  • Little extras can really add up – There are many extra bells and whistles that can waste your money when buying car insurance. Add-on coverages like personal injury protection, death and dismemberment, and extra life insurance coverage could be just wasting money. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
  • Your address can influence price – Choosing to live in areas with lower population has definite advantages when talking about car insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have traffic congestion and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
  • Keep the miles off and save – The more you drive your Land Rover each year the higher the price you pay to insure it. A lot of companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage can be on a lower rate level than cars that get driven a lot. It’s a smart idea to ensure your policy properly reflects annual mileage. Incorrect rating for your Range Rover may be costing you higher rates.
  • Optional features can affect car insurance rates – Driving a car that has a built-in theft deterrent system can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
  • Discounts for multiple policies – Most larger insurance companies apply better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.There is a chance you can find a better deal even if you have your coverage with different companies
  • Cars with good safety ratings save money – Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety result in less severe injuries and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether or not you could use an agent’s help.

  • Should I carry comprehensive and collision coverage?
  • Does my 1997 Land Rover Range Rover need full coverage?
  • What is the ISO rating for a 1997 Land Rover Range Rover?
  • Am I covered if I crash into my own garage door?
  • Which companies will insure high-risk drivers?
  • Why do I need rental car insurance?
  • When should I drop full coverage on my 1997 Land Rover Range Rover?

If you don’t know the answers to these 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 or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Drivers who switch save $443 a year? Really?

Consumers can’t escape the ads that promise big savings for switching from the likes of Allstate and Progressive. All the companies say the same thing that drivers can save some big amount if you just switch your coverage.

How does every company lower your premium rates? This is the trick they use.

Insurance companies give the best rates for the type of insured that will generate a profit. A good example of this type of driver could be between 25 and 40, has no claims, and drives less than 5,000 miles a year. Anybody that fits those parameters will get the preferred rates and most likely will save some money.

Potential insureds who don’t qualify for the “perfect” profile will be charged higher prices which results in the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much money. This is how insurance companies can make it sound like they have such great premium rates.

Different companies use different criteria so you absolutely need to get auto insurance quotes as often as possible. It is impossible to guess which auto insurance company will provide the lowest car insurance rates.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

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

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 1997 Land Rover Range Rover.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as funeral costs, hospital visits, surgery and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as 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

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, falling objects, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance protects you from damage that occurs to other’s property or people. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, structural damage, medical expenses, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Find Good Coverage for Less

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage only to find out that they should have had better coverage. The aim is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

The cheapest 1997 Land Rover Range Rover insurance can be sourced online as well as from independent agents, so you should compare both to get a complete price analysis. Some auto insurance companies may not have rate quotes online and most of the time these small insurance companies only sell through independent insurance agents.

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Comments About 1997 Land Rover Range Rover Insurance

  1. Chu Atkins

    Mine is so expensive. Live in Eugene, OR. Received prices from Progressive, GMAC, and Eastwood for my 1997 Land Rover Range Rover and saved just over $60 a year. Insured with Safeco before. Highly recommended.

  2. Sharmaine Preston

    From northwest of Tucson, AZ. Checked online prices for a 1997 Land Rover Range Rover. Ended up at about $100 savings annually. Went with Allstate. Online quotes are the way to go.

  3. Marie Frank

    Here’s my info. Quoted with Auto-Owners for my Range Rover and am saving around $110 a year. I just quoted rates online. My Land Rover doesn’t have full coverage.

  4. Tuyet Holcomb

    What is comprehensive coverage?

  5. Marquis Langley

    I think I’m paying too much. Checking in from Missoula, MT. Quoted quotes with Allstate, AAA, and Farmers for my Land Rover and am saving around $60 a year. Ask about discounts. When should I drop full coverage?

  6. Janice Morse

    Quoted with Liberty Mutual for my 1997 Land Rover Range Rover and cut my rates about $90 a year. Even increased my liability limits. When should I drop full coverage?

  7. Dian Hodge

    If you don’t have tickets and are close to Omaha, NE, check out Allstate. They seem to be cheaper. Bought it from an online quote. I don’t have comp or collision coverage.

  8. Alvera Vaughan

    Cheaper car insurance is a myth. I live on the west side of Charleston, SC. Don’t remember every company but I ended up saving about $20 each month. A clean driving record helps. Are quotes cheaper online? I don’t insure for physical damage though.

  9. Mafalda Robbins

    Nice info. Live in Parkersburg, WV. I quoted with State Farm, American Family, Farmers, and The General for my 1997 Land Rover Range Rover and I’m now saving $22 a month. Left USAA to switch. :) It’s too old for full coverage.

  10. Pearly Clarke

    Will Progressive raise rates for a small claim?

  11. Ernie Gutierrez

    Nice post. I live just outside Worcester, Massachusetts. Got quotes from State Farm, AAA, and Eastwood for my 1997 Land Rover Range Rover and saved $73 a year. I don’t have comp or collision coverage.

  12. Bud Adkins

    I found cheap 1997 Land Rover Range Rover insurance in Davenport, Iowa with GEICO.