How Much Does 2007 Land Rover Range Rover Insurance Cost?

Are you drained from sacrificing other expenses each month for car insurance? You are in the same boat as many other vehicle owners.

Online insurance companies like Progressive, State Farm and Geico continually hit you with catchy ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to quote other rates at least once a year because prices are usually higher with each renewal. Just because you had the best deal on Range Rover coverage a couple years back you can probably find a lower rate today. There is a lot of bad advice regarding car insurance on the web, but you can learn some guaranteed methods to lower your car insurance premiums.

If you currently have car insurance, you will most likely be able to save some money using these techniques. Buying car insurance is not that difficult. Although consumers must understand the methods companies use to price insurance differently and use this information to your advantage.

Insurance policy discounts

Companies don’t always list every disount available very well, so the next list breaks down some of the more common and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Accident-Free Discounts – Good drivers with no accidents get the best insurance rates as compared to bad drivers.
  • Discount for Home Ownership – Being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
  • Save with More Vehicles Insured – Having multiple cars or trucks on a single policy qualifies for this discount.
  • Driving Data Discount – Drivers that enable their insurance company to spy on when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Early Switch Discount – Select insurance companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

Just know that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Auto insurance companies that may offer quotes with these benefits include:

Check with each company the best way to save money. Discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies who offer free insurance quotes, follow this link.

Low cost auto insurance prices

The are a couple different ways to compare quotes from many different insurance companies. The easiest way by far to comparison shop is to use the internet to compare rates. It’s really quite simple and can be done by using one of the methods below.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for a different quote for every company. One form submission gets prices estimates from many national carriers.

A harder way to analyze rates requires visiting the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll assume you want to compare rates from Liberty Mutual, Geico and Allstate. You would be required to visit each site and enter your information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using the exact same quote information for each quote you get. If the quotes have different values for each quote it will be next to impossible to get a fair rate comparison. Even a minor difference in limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes gives you a better chance of getting better pricing. Not every company does prices over the internet, so you also need to get price quotes on coverage from those companies, too.

Land Rover Range Rover insurance rates can be reduced

Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are not as apparent like where you live or your vehicle rating.

  • Single drivers may get higher costs – Having a spouse can get you a discount on your car insurance policy. Marriage generally demonstrates drivers are less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Urban areas may pay more – Having an address in less populated areas may provide you with better prices when shopping for auto insurance. People in densly populated areas have to deal with more road rage incidents and longer commute times. Fewer drivers means a lower chance of having an accident and a lower car theft rate.
  • Be proud to be claim-free – If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Auto insurance companies generally give the lowest premiums to people who are claim-free. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Pay more of a claim out-of-pocket – Coverage for physical damage, also known as collision and other-than-collision, protects your Land Rover from damage. Some instances where coverage would apply are a broken windshield, damage caused by hail, and rolling your vehicle. Comprehensive and collision coverage deductibles represent how much money you are willing to pay before a claim is paid by your company. The larger the amount you’re willing to pay, the bigger discount you will receive on Range Rover coverage.
  • Driving citations mean higher rates – Drivers with clean records pay lower auto insurance prices than bad drivers. Even a single chargable violation could increase your next policy renewal twenty percent or more. People who have multiple violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state in order to drive a vehicle legally.
  • Consolidate and save – The majority of companies provide better rates to customers that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal.
  • Good credit equals lower prices – Your credit score is a big factor in determining what you pay. If your credit score leaves room for improvement, you could potentially save money when insuring your 2007 Land Rover Range Rover by spending a little time repairing your credit. Insureds with excellent credit tend to file fewer claims than those with lower ratings.
  • Do you save by driving less? – The more you drive every year the more it will cost to insure it. The majority of insurers calculate rates based upon how you use the vehicle. Cars and trucks that do not get driven very much cost less to insure than vehicles that have high annual mileage. Having the wrong rating on your Range Rover may be costing you. It’s a good idea to make sure your policy states the proper vehicle usage, because it can save money.

How do I know if I need professional advice?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Are split liability limits better than a combined single limit?
  • What can I do if my company won’t pay a claim?
  • How high should my medical payments coverage be?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my teenager covered with friends in the car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2007 Land Rover Range Rover.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, X-ray expenses, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from getting keyed, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, repair costs for stationary objects and emergency aid. How much coverage you buy is your choice, but buy as large an amount as possible.

Quote often and quote early

When getting insurance quotes online, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

We just covered a lot of techniques to save on 2007 Land Rover Range Rover insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the lowest prices are with an unexpected company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.

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

Comments About 2007 Land Rover Range Rover Insurance

  1. Corina Greene

    What is comprehensive coverage?

  2. Meggan Rogers

    Mine is so expensive. Got a quote with Liberty Mutual for my 2007 Land Rover Range Rover and cut my rates about $390 a year. Was with Mercury. Not sure if rates are cheaper online or not.

  3. Zoe Hickman

    What is Underinsured Motorist coverage?

  4. Kyra Greer

    If you have a good history and live around Jersey City, NJ, check out GEICO. You might get cheaper rates. Thankfully I have a good driving record. You can get a rate quote online.

  5. Wesley Manning

    Liked the article. Went with AAA for my 2007 Land Rover Range Rover and am saving around $390 a year. Just waiting to see how claims go.

  6. Yasmine Hancock

    Does GEICO settle claims fairly?

  7. Jone Booth

    If you have a clean record and are close to Birmingham, AL, check out Allstate. I saved quite a bit. Left GMAC to switch. Got better coverage too. :P

  8. Annett Calhoun

    Anyone compare Progressive and Allstate rates in Providence, Rhode Island?

  9. Lucy Pope

    It’s all a rip off. Lifelong resident of Lewiston, ME. Quoted rates from Travelers, AAA, GMAC, and Sentry for my Land Rover and I’m now saving $37 a month. Insured with USAA before. They have a lot of discounts available. I quoted rates online then called them.

  10. Virgilio Crosby

    From a town just southwest of Missoula, MT. Quoted quotes with USAA, American Family, Hanover, and Sentry for my Range Rover and saved just over $310 a year. Online quotes are the way to go.

  11. Darline Black

    Found cheapest coverage with State Farm for my 2007 Land Rover Range Rover and saved around $120 a year. My new agent seems to be really good.

  12. Zonia Carson

    Affordable car insurance is a myth. Checking in from Paterson, NJ. Got free quotes online for a 2007 Land Rover Range Rover. Ended up at about $300 savings annually. Went with State Farm. They were helpful in switching over.