1999 Land Rover Range Rover Car Insurance Rates – 10 Tricks for Cheapest Quotes

Trying to find better insurance rates for your Land Rover Range Rover? Being forced to pay for pricey insurance premiums can drain your monthly budget and possibly require you to analyze your spending habits.

Due to the fact that there are so many insurance companies to choose from, it’s nearly impossible to pick the lowest price insurance provider.

Insurance policy discounts

Some insurance providers do not list their entire list of discounts very well, so the list below details some of the more common as well as some of the hidden insurance savings.

  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • College Student – Youth drivers who live away from home at college and do not take a car to college can be insured at a reduced rate.
  • Service Members Pay Less – Being deployed in the military may lower your premium rates slightly.
  • Early Switch Discount – Some larger companies give discounts for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Multi-car Discount – Having more than one vehicle with one company can get a discount for every vehicle.
  • Savings for New Vehicles – Buying a new car model can save up to 30% due to better safety requirements for new vehicles.
  • Cautious Drivers – Drivers without accidents may receive a discount up to 45% for Range Rover insurance than their less cautious counterparts.
  • Discount for Low Mileage – Fewer annual miles on your Land Rover could qualify for substantially lower insurancerates.
  • Auto/Life Discount – Larger insurance carriers have a small discount if you purchase life insurance.
  • Early Payment Discounts – By making one initial payment rather than paying monthly you can avoid the installment charge.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you’re out of luck.

If you would like to choose from a list of insurance companies that offer the discounts shown above, click here.

How to buy car insurance online

To find the best car insurance rates, there are several ways to compare prices from local car insurance companies. The best method to find cheaper 1999 Land Rover Range Rover rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find low rates is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate forms for each company. Completing one form gets you coverage quotes from all major companies.
  • A different way to shop for car insurance online requires you to visit the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Farmers, 21st Century and Liberty Mutual. In order to compare rates, you need to take the time to go to each site and enter your information, which is why the first method is more popular.

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

  • The least efficient and most time consuming way to compare rates is going to and from local insurance agencies. Comparing online rate quotes eliminates the need for an insurance agent unless your situation requires the extra assistance that can only be provided by a licensed insurance agent. It is possible with some companies get the lowest quotes online and still use a local agent.

It’s up to you how you get prices quotes, just be sure you’re using apples-to-apples information on every quote. If you enter unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in insurance coverages or limits may cause a big price difference. And when quoting car insurance, remember that comparing a large number of companies will increase your chances of finding a lower rate. Some smaller insurers to not give online quotes, so it’s recommended that you also compare price quotes on coverage from those companies, too.

How do I know if I need professional advice?

When buying adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

  • How much can I save by bundling my policies?
  • Does coverage extend to a rental car in a foreign country?
  • Should I bundle my homeowners policy with my auto?
  • Do I pay less for low miles?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if my car is in a flood?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my teenager covered with friends in the car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from auto insurance companies.

Auto collision coverage

This coverage pays for damage to your Range Rover resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Land Rover Range Rover.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

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

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, nursing services, doctor visits and pain medications. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, pain and suffering, loss of income, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Be a Smart Shopper

Discount 1999 Land Rover Range Rover insurance is attainable on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies don’t offer the ability to get quotes online and these regional carriers prefer to sell through independent agents.

Throughout this article, we presented a lot of information how to save on 1999 Land Rover Range Rover insurance. The key concept to understand is the more companies you get auto insurance rates for, the better chance you’ll have of finding inexpensive insurance coverage. Consumers may even find the most savings is with some of the lesser-known companies. These companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like State Farm and Allstate.

Helpful learning opportunities

Comments About 1999 Land Rover Range Rover Insurance

  1. Shanti Hull

    I live on the north side of Buffalo, New York. Received prices from AAA, Nationwide, and some smaller one I can’t remember the name of for my Land Rover and I’m now saving $25 a month. Get lots of quotes to find the best rate. When should I drop full coverage?

  2. Shawna Hopkins

    I got decent rates for a 1999 Land Rover Range Rover in Minneapolis, Minnesota. Ended up at right around $90 every six months with American Family. I have kids on my policy, too. When should I drop full coverage?

  3. Exie Potter

    Located in Tampa, Florida. Received quotes from Liberty Mutual, American Family, Mercury, and a couple others for my Range Rover and I’m now saving $11 a month. Moved home policy as well. Wish I didn’t have to insure at all. Book value doesn’t justify full coverage anymore.

  4. Arnetta Mcintosh

    I chose to switch to 21st Century from Amica. I live in Gaithersburg, Maryland.

  5. Larry Sosa

    Cheap is not always the best policy. Located in Huntington, WV. Quoted with AIG Insurance, Safeco, and USAA for my 1999 Land Rover Range Rover and I think I am saving around $30 each month. I get lower rates because of my clean driving record. I quoted rates online then called them. It’s too old for full coverage.

  6. Thalia Fowler

    Good site, thanks. From a town just southwest of Cleveland, OH. Received prices from American Family, MetLife, and Western Auto Insurance for my Land Rover and saved around $110 a year. Insured with GEICO before. BTW speeding tickets are not good. God forbid I actually have a claim. Book value doesn’t justify full coverage anymore.

  7. Melita Rollins

    Great site. I live in Virginia Beach, VA. Got car insurance rates from 21st Century, Erie, and The General for my 1999 Land Rover Range Rover and saved $62 a year. Was with GEICO. You can get a rate quote online. I only have liability coverage on it.

  8. Golden Hendricks

    Good detail in your article. Live in the northern part of Columbus, OH. Compared quite a few companies. Saved right around $20 a month. Allstate was the most affordable for me. Insured with Hanover before. I even had a DUI years ago. You can get a rate quote online. Anyone else drop full coverage?

  9. Blake Doyle

    From Owensboro, KY. Not sure of all the companies but I ended up saving about $20 each month. I have a teen driver too.

  10. Dimple Carson

    Where is cheaper car insurance? I’m just north of Owensboro, Kentucky. Quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my Range Rover and saved just over $80 a year. I even had a DUI years ago. I recommend comparing lots of rates. I dropped full coverage awhile back.

  11. Herta Simon

    Thanks for putting this site together. Checking in from New Haven, CT. Compared quite a few companies. Saved right around $30 a month. State Farm was the cheapest for me. Was with Allstate. It’s too old for full coverage.

  12. Alethea Hatfield

    Cheap car insurance? What’s that? Live in Rio Rancho, NM. Got car insurance prices from AAA, Esurance, and Nationwide for my Range Rover and I’m now saving $20 a month. Switched homeowners coverage too. It never hurts to quote around. My Land Rover doesn’t have full coverage.

  13. Ai Bowers

    I think Progressive has low rates in Wisconsin. For me anyway.

  14. Eleonor Porter

    I got quite a few price quotes for a 1999 Land Rover Range Rover in Chesapeake, Virginia. Ended up at darn near $100 every six months with American Family. Left GMAC to switch. A clean driving record helps. I just quoted rates online.