2010 Land Rover LR2 Insurance Quotes – 6 Discounts for Best Rates

Finding low-cost insurance for your Land Rover LR2 can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to compare rates for a new or used Land Rover and find the lowest possible price.

It’s a good idea to do rate comparisons on a regular basis since insurance prices are variable and change quite frequently. Even if you think you had the best deal for LR2 coverage on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because it’s time to teach you the proper way to find better rates and still maintain coverage.

Finding affordable coverage is quite easy. If you have a current insurance policy or need new coverage, you will benefit by learning to find better prices and still get good coverage. Consumers just need to understand the most efficient way to shop over the internet.

How to buy insurance coverage

Most major insurance companies such as Geico, State Farm and Progressive give price estimates directly from their websites. Getting prices online is fairly straightforward as you just type in your required coverages as requested by the quote form. Once you submit the form, the quote system automatically orders reports for credit and driving violations and quotes a price based on the information you submitted.

Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information gets old quite quickly. But it’s very important to do this if you want to find a better rate.

Rate comparisons made easy

A quicker way to find lower prices requires only one form that analyzes rates from a lot of companies. It saves time, reduces the work, and makes online price comparison much more enjoyable. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. Doing this guarantees you will receive comparison quotes using the exact same coverages.

Lower-cost insurance coverage rates with discounts

Some insurance providers don’t necessarily list all available discounts very clearly, so the list below details a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

• Sign Early and Save – Select larger companies give a discount for switching policies prior to your current policy expiring. Ten percent is about the average savings.
• Lower Rates for Military – Having a deployed family member can result in better rates.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Responsible Drivers – Drivers without accidents may save up to 50% more for LR2 coverage compared to rates paid by drivers with frequent claims.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will definitely reduce the cost of your policy.

Insurance companies that may offer quotes with many of the previously listed discounts possibly include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not apply in your state.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

• Can I get a multi-policy discount?
• Do I need medical payments coverage since I have good health insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if I break a side mirror?
• Is business property covered if stolen from my car?
• Do I have coverage if my license is suspended?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered if I hit my neighbor’s mailbox?
• How high should my uninsured/underinsured coverage be in my state?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Land Rover LR2.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, falling objects, damage from a tornado or hurricane and fire damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – Liability insurance protects you from damage that occurs to other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, pain and suffering and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your LR2 caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, dental work, chiropractic care, rehabilitation expenses and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

A penny earned…

People switch companies for many reasons like delays in responding to claim requests, being labeled a high risk driver, unfair underwriting practices or even high rates after DUI convictions. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

Some auto insurance companies may not provide rate quotes online and these smaller companies prefer to sell through independent agents. Cheaper auto insurance is possible from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More detailed auto insurance information is available in the articles below:

• Speed and Speed Limit FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)