2010 Land Rover Range Rover Insurance Quotes

Having to pay for overpriced Land Rover Range Rover insurance can stress out your accounts and put a big crunch on your finances. Comparing cost estimates is a fast and free way to lower your bills every month.

Insurance companies such as State Farm, Geico and Farmers Insurance constantly bombard you with catchy ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It’s a great practice to compare premium rates before your next renewal because prices change frequently. Even if you think you had the best deal for Range Rover coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate how to use the internet to get good coverage at a lower rate.

Seven factors that determine insurance rates

Multiple criteria are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other factors are more transparent like where you live or how safe your car is.

  • Traffic violations can be expensive – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums compared to bad drivers. Even a single ticket can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have dangerous citations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Low credit rating equals high premiums – Your credit rating is a big factor in determining premium rates. Consumers who have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit. So if your credit score can be improved, you could be paying less to insure your 2010 Land Rover Range Rover by taking the time to improve your credit score.
  • Do men or women drive better? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. They both are in auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving. Males from age 16 to 21 have the highest risk to insure so they pay the highest premiums.
  • Liability coverage safeguards assets – The liability coverage on your policy is the coverage that protects you if you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so do not skimp.
  • Your address can impact price – Having an address in less populated areas can be a good thing when buying insurance. Less people living in that area means less chance of accidents in addition to fewer liability claims. Urban drivers have traffic congestion and longer commute times. Longer commute distances can result in more accidents.
  • Extra coverages that aren’t used – There are quite a few additional coverages that you can buy if you aren’t diligent. Coverages like replacement cost coverage, high-cost glass coverage, and membership fees could be just wasting money. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Lower miles equals lower premium – Driving a lot of miles every year the more it will cost to insure it. The majority of insurers apply a rate partially by how you use the vehicle. Cars that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your insurance policy states the correct driver usage, because improper ratings can cost you money. An improperly rated Range Rover may be costing you.

The method we recommend to compare insurance rates in your area is to take advantage of the fact most of the larger companies participate in a system to give rate comparisons. All consumers are required to do is give them rating details like how much education you have, driver details, which vehicles you own, and how your vehicles are used. Your rating data is instantly submitted to many highly-rated insurers and they return cost estimate instantly.

To check 2010 Land Rover Range Rover insurance prices now, click here and enter your coverage details.

Smaller companies may have the best rates

Drivers can’t escape the ads that promise big savings for switching by companies like Allstate and Progressive. They all advertise the message that you can save just by moving your coverage.

How does every company make the same claim? You have to listen carefully.

Insurance providers have specific guidelines for the right customer that will add to their bottom line. A good example of this type of insured might be over the age of 35, has no tickets, and has great credit. A customer getting a price quote who matches that profile may get the lowest car insurance rates and as a result will probably cut their rates substantially.

Consumers who don’t qualify for this ideal profile may receive higher premiums with the end result being the customer buying from a different company. The ads state “customers that switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can make claims that they all have the best premium rates. Each company has different criteria, so you really need to get price quotes at each policy renewal. It’s just not possible to know which insurance companies will have the lowest car insurance rates for your situation.

Are you receiving every discount?

Insurance can cost an arm and a leg, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically at quote time, but a few need to be specially asked for before you will receive the discount.

  • Discount for Low Mileage – Fewer annual miles on your Land Rover could earn slightly better premium rates than normal.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a simple method to lower premiums on your policy.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies may permit one accident without the usual rate increase as long as you don’t have any claims for a certain period of time.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Home Ownership Discount – Being a homeowner can help you save on car insurance because owning a home is proof that your finances are in order.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
  • Include Life Insurance and Save – Select insurance carriers reward you with a discount if you purchase life insurance.
  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for Range Rover coverage.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount should definitely cut your policy premiums.

Car insurance companies that possibly offer most of these discounts may include but are not limited to:

If you need lower rates, check with each insurance company which discounts they offer. All car insurance discounts may not apply to policies in your area. To choose car insurance companies who offer discounts, click this link.

When in doubt talk to an agent

When buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your insurance needs may require specific advice.

  • Am I getting all the discounts available?
  • Does car insurance cover theft of personal property?
  • When can I cancel my policy?
  • Should I put collision coverage on all my vehicles?
  • Should I rate my 2010 Land Rover Range Rover as pleasure use or commute?
  • Can I afford to pay high deductible claims out of pocket?
  • If my pet gets injured in an accident are they covered?
  • Why do I only qualify for high-risk insurance?
  • Is my ex-spouse still covered by my policy?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Insurance for medical payments – Med pay and PIP coverage pay for expenses for hospital visits, chiropractic care and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, fire damage, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision insurance covers damage to your Range Rover resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three 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 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, medical services, legal defense fees, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Be Smart and Buy Smart

We’ve covered some good ideas how you can save on 2010 Land Rover Range Rover insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the best car insurance rates are with a lesser-known regional company. They can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Discount 2010 Land Rover Range Rover insurance can be purchased from both online companies and from local agencies, so you need to quote insurance with both to have the best selection. Some insurance providers may not offer online quoting and most of the time these smaller providers only sell coverage through local independent agencies.

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Comments About 2010 Land Rover Range Rover Insurance

  1. Melvin Levine

    If you have a good history and live in the vicinity of Providence, RI, check out GEICO. I saved quite a bit. Not sure if rates are cheaper online or through an agent.

  2. Phyllis Wynn

    Affordable car insurance is a myth. I live on the east side of Columbia, SC. Quoted with Auto-Owners, Erie, and Safeco for my Land Rover and saved $429 a year. I used their website to get prices.

  3. Kazuko Carey

    Nice info. I live in a small town just outside of Rockford, IL. Went online for free insurance quotes for a 2010 Land Rover Range Rover. Ended up at about $480 savings annually. Went with Allstate. I have kids on my policy, too. Might find lower rates online.

  4. Emeline Roberson

    Located in Colorado Springs, CO. Received prices from Safeco, Eastwood, GEICO, and AIG Insurance for my Land Rover and I think I saved around $60 each month. They have free quotes online.

  5. Denice Fleming

    Hope my car insurance gets cheaper. Located in Virginia Beach, Virginia. I got free quotes with Progressive, The General, and Esurance for my Land Rover and I’m now saving $42 a month. Have a couple speeding tickets too.

  6. Ozell Terrell

    I found pretty cheap rate quotes for a 2010 Land Rover Range Rover in Warren, Michigan. Ended up at right around $410 every six months with Auto-Owners.

  7. Keena Burns

    I live east of Tampa, Florida. Quoted with GEICO, The General, and Eastwood for my Land Rover and I think I saved around $20 each month. Not sure if rates are cheaper online or not.

  8. Latrice Mcneil

    Nice post. I’m in the west part of Nampa, Idaho. I quoted with AAA, Erie, and Sentry for my 2010 Land Rover Range Rover and saved $140 a year.

  9. Kit Hopper

    Lots of good stuff here. Went with GEICO for my 2010 Land Rover Range Rover and saved around $490 a year. They were helpful in switching over.