2006 Land Rover Range Rover Insurance Rates – 6 Tips to Save

Want cheaper auto insurance rates for your Land Rover Range Rover? No one in their right mind is fond of buying auto insurance, especially knowing their premiums are through the roof. Because you have many online and local companies to choose from, it can be challenging to find a more affordable auto insurance provider.

It’s a good idea to get comparison quotes once or twice a year because auto insurance prices are usually higher with each renewal. Even if you got the lowest rate on Range Rover insurance at your last renewal you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Drivers only need to know the proper methods to compare rates over the internet.

How to get free auto insurance quotes online

There are a variety of methods to shop for auto insurance, but some are easier and takes less work. You could waste time talking to insurance agencies in your area, or you could save time and use the internet to get prices fast.

Many popular insurance companies participate in an industry program where insurance shoppers complete one form, and each participating company returns a competitive quote. This eliminates the need for quote forms to each company. To compare pricing click here to start a free quote.

The single downside to comparing rates this way is that consumers can’t choose which carriers to receive prices from. If you would rather choose individual companies to compare prices, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just compare identical quote data with every price quote. If you enter different values for each quote it will be nearly impossible to make a fair rate comparison.

Affordable auto insurance rates with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but a few must be requested specifically before being credited.

• Military Rewards – Having an actively deployed family member could qualify you for better rates.
• Distant Student – who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
• Paperwork-free – A few larger online companies will provide an incentive simply for signing on the internet.
• Homeowners Discount – Owning a house may earn you a small savings since home ownership shows financial diligence.
• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates on Range Rover insurance compared to rates paid by drivers with frequent claims.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Libery Mutual, Geico and Allstate will let one accident slide before your rates go up as long as you don’t have any claims prior to the accident.

Policy discounts save money, but many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies that may have most of these discounts include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find affordable auto insurance quotes, ask every company which discounts you may be entitled to. Some credits might not apply in your area. To choose insurers offering auto insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine if your situation would benefit from professional advice.

• Does my policy pay for OEM or aftermarket parts?
• I have health insurance so do I need medical payments coverage?
• When should I remove comp and collision on my 2006 Land Rover Range Rover?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the minimum liability in my state?
• Is my teen driver covered when they drive my company car?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Insurance coverages 101

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Coverage for collisions

This pays for damage to your Range Rover caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects YOU against other people’s claims, and does not provide coverage for 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. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as hospital visits, dental work, rehabilitation expenses, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a penny pincher

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best possible price while still protecting your assets.

We just showed you many ideas to get a better price on 2006 Land Rover Range Rover insurance. It’s most important to understand that the more times you quote, the better likelihood of getting low cost auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Progressive or Geico.

Cost effective 2006 Land Rover Range Rover insurance can be found online and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide rate quotes online and most of the time these small, regional companies only sell coverage through independent insurance agents.

To read more, feel free to visit the resources below:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)