2008 Land Rover LR3 Insurance Quotes – 5 Tricks for Cheaper Rates

Searching for low-cost insurance for your Land Rover LR3 can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find insurance coverage online so we’re going to tell you the absolute fastest way to compare rates for a new or used Land Rover and find the cheapest rates either online or from local insurance agents.

It’s smart to compare rates before your next renewal because prices trend upward over time. Just because you had the lowest rates for LR3 insurance at your last renewal you may be paying too much now. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the easiest way to find better rates and still maintain coverage.

Cheapest auto insurance price quotes

Shopping for lower auto insurance rates can be a lot of work if you don’t know the best way to get rate quotes. You could waste time driving to agents in your area, or you can utilize online quotes to achieve your goal.

The majority of car insurance companies take part in a program that enables customers to send in one quote, and at least one company then gives them pricing based on that data. This prevents consumers from doing quote forms for every auto insurance company.

To compare rates using this form now click here to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly which companies you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

Which method you use is up to you, but be sure you’re using exactly the same quote information for each quote you get. If you enter different values for each quote you will not be able to truly determine the lowest rate.

Find hidden discounts on car insurance

Car insurance is not inexpensive, but there may be some discounts that you may not know about. Some of these disounts will be visible at the time of purchase, but less common discounts must be requested specifically before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

• No Claim Discounts – Drivers who stay claim-free have much lower rates as compared to frequent claim filers.
• ABS Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
• Full Payment Discount – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
• Driver Training Discounts – Successfully completing a course in defensive driving may get you a small discount and easily pay for the cost of the class.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, it doesn’t quite work that way.

A list of companies and their possible discounts include:

• State Farm discounts include good driver, student away at school, multiple policy, passive restraint, and accident-free.
• Geico may offer discounts for federal employee, defensive driver, military active duty, membership and employees, anti-lock brakes, and seat belt use.
• Progressive includes discounts for multi-vehicle, good student, online signing, online quote discount, continuous coverage, homeowner, and multi-policy.
• 21st Century has discounts for student driver, automatic seat belts, driver training, early bird, anti-lock brakes, homeowners, and defensive driver.
• American Family policyholders can earn discounts including Steer into Savings, good student, mySafetyValet, multi-vehicle, and defensive driver.
• The Hartford offers discounts for bundle, anti-theft, air bag, vehicle fuel type, good student, and driver training.
• AAA offers discounts including multi-car, multi-policy, AAA membership discount, good driver, pay-in-full, and good student.

When comparing rates, check with every company to apply every possible discount. Some of the discounts discussed earlier might not be offered in your state.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

• Should I rate my 2008 Land Rover LR3 as pleasure use or commute?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I really need UM/UIM coverage?
• Should I carry comprehensive and collision coverage?
• Is motorclub coverage worth it?
• Will I lose any money if I cancel my policy before it expires?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Specific coverages for a Land Rover LR3

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for things like ambulance fees, hospital visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, bail bonds, medical services, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

A penny saved is a penny earned

Cheap 2008 Land Rover LR3 insurance can be sourced on the web and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance providers may not offer online rate quotes and many times these small, regional companies only sell through local independent agencies.

You just read some good ideas how you can lower your 2008 Land Rover LR3 insurance premium rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable insurance. Drivers may discover the lowest premium rates are with a small mutual company.

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, delays in paying claims and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

Helpful resources

• Credit Impacts Car Insurance Rates (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Coverage Information (Progressive Insurance)