Compare 1998 Land Rover Range Rover Insurance Rates

Trying to find cheaper insurance rates for your Land Rover Range Rover? There isn’t a single person who looks forward to paying premiums for insurance, especially knowing their premiums are through the roof.

With vehicle owners having so many options when it comes to insurance, it can be hard to find the lowest price insurance company.

It’s a great practice to compare prices quite often since insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Range Rover coverage at your last renewal there may be better deals available now. Don’t believe everything you read about insurance on the web, but I’m going to show you a lot of great tips on how to stop overpaying for insurance.

Finding affordable coverage is not that difficult. Basically, everyone who buys insurance stands a good chance to be able to cut their insurance bill. Although consumers benefit from understanding the way insurance companies price insurance differently and take advantage of how the system works.

Free insurance coverage quotes

Many insurance companies provide prices from their websites. Obtaining pricing doesn’t take a lot of time as you simply type in your personal and coverage information into the quote form. Behind the scenes, their quoting system gets your driving record and credit report and returns pricing information based on many factors. Quoting online makes it a lot easier to compare rates but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get a better rate.

Quote rates the easy way

An easier way to lower your insurance coverage bill requires only one form to get prices from many companies. The form is fast, requires less work, and makes rate comparisons much easier. After sending your information, it is quoted with multiple companies and you can pick your choice of the returned quotes. If you find a better price you simply finish the application and buy the new coverage. This process takes less than 15 minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you replicate the coverage information just like they are on your policy. Doing this assures you’re receiving a price comparison using the same coverage and limits.

More discounts mean cheap premiums

Some insurance providers don’t always list all available discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden discounts that you can inquire about if you buy auto insurance online.

• Discount for Low Mileage – Fewer annual miles on your Land Rover may enable drivers to earn lower rates on the low mileage vehicles.
• Policy Bundle Discount – If you combine your auto and home policies and insure them with the same company you may earn over 10 percent off each policy depending on the company.
• Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Government Employees – Employees or retirees of the government could cut as much as 10% off for Range Rover coverage with certain companies.
• Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates as opposed to drivers who are more careless.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
• Accident Waiver – This isn’t a discount exactly, but some insurance companies will let one accident slide before hitting you with a surcharge if your claims history is clear before the accident.
• New Vehicle Savings – Buying a new car model can save up to 30% compared to insuring an older model.
• Paper-free Discount – A handful of larger companies will discount your bill up to fifty bucks for completing your application on their website.

Just know that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

If you would like to see a list of insurers that offer the discounts shown above, click here to view.

What affects Land Rover Range Rover insurance prices?

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that come into play when calculating insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can help you get lower insurance prices. Lots of things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other factors are less apparent such as your marital status or your vehicle rating.

The itemized list below are just a few of the factors used by insurance companies to determine rates.

• Single drivers take more risk – Getting married can actually save you money when buying insurance. Having a significant other generally demonstrates drivers are less irresponsible and statistics prove drivers who are married file infrequent claims.
• Safeguard your assets with liability insurance – Your policy’s liability coverage provides coverage if you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost a lot. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Accidents hurt – Drivers with clean records pay less for auto insurance as compared to those with violations. Even one chargable violation can increase rates twenty percent or more. Drivers who get license-revoking citations such as reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state DMV in order to prevent a license revocation.
• Lower premiums for safer vehicles – Safer cars are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If the Land Rover Range Rover scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Do you know you’re credit rating? – Having a bad credit rating can be an important factor in calculating your premium rate. Insureds with excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit ratings. If your credit history can be improved, you could save money insuring your 1998 Land Rover Range Rover by repairing your credit.
• Gender and insurance – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Men and women get in accidents in similar numbers, but the men get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving.
• Car plus home equals more savings – Many insurance companies allow better rates for people that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to help ensure you have the lowest rates.There is a chance you can save even more by buying insurance from a different company.

It’s not one size fits all

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if your situation will benefit from professional help.

• Will I lose any money if I cancel my policy before it expires?
• Why do I only qualify for high-risk insurance?
• Is my teen driver covered when they drive my company car?
• What is the difference between comprehensive and collision coverage?
• Is my nanny covered when driving my vehicle?
• Is business property covered if stolen from my car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Misconceptions in insurance coverage advertisements

Big name companies like State Farm and Allstate endlessly run ads on TV and radio. They all tend to make the same promise about how much you will save just by moving to them. How do they all charge less that you’re paying now? Here is the trick they use.

Different companies have strict underwriting profiles for the type of insured that is profitable for them. An example of a driver they prefer might be over the age of 50, owns their home, and drives newer vehicles. Any person who matches those parameters will probably get the lowest premium rates as well as pay quite a bit less when switching companies.

Potential insureds who are not a match for the requirements may be forced to pay a more expensive rate which leads to business not being written. The trick is to say “people that switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can confidently make the claims of big savings. This emphasizes why you really need to get a wide range of price quotes. Because without a comparison, you cannot know which insurance companies will have better premium rates than you’re paying now.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses for hospital visits, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Range Rover resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, falling objects, theft and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Land Rover Range Rover.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Take this to the bank

Throughout this article, we presented many ideas to lower your 1998 Land Rover Range Rover insurance car insurance rates. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

When you buy auto insurance online, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest cost, not the least amount of coverage.

Lower-priced 1998 Land Rover Range Rover insurance can be purchased on the web in addition to many insurance agents, so you should compare both to have the best selection. A few companies don’t offer internet price quotes and many times these small, regional companies sell through local independent agencies.

Additional detailed information can be found in the articles below:

• Older Driver Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Choosing an Insurance Company (Insurance Information Insitute)