Cheap 2013 Land Rover LR2 Insurance Rates

Trying to find lower car insurance rates for your Land Rover LR2? Searching for low-cost insurance for a Land Rover LR2 can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for car insurance so we’re going to tell you the proper way to compare rates for a Land Rover and get the lowest price from both online companies and local agents.

Get cheaper auto insurance with discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that may help make it more affordable. Some discounts will apply when you quote, but occassionally some discounts must be specifically requested before they will apply.

  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with the same auto insurance company may reduce the rate for each vehicle.
  • Low Mileage Discounts – Fewer annual miles on your Land Rover could earn slightly better prices than normal.
  • Waiver for an Accident – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Switch and Save Discount – A few larger companies allow discounts for buying a new policy before your current policy expires. You could save around 10% when you buy insurance online.
  • Resident Student – Any of your kids who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of auto insurance companies offering auto insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Is extra glass coverage worth it?
  • How high should deductibles be on a 2013 Land Rover LR2?
  • If my pet gets injured in an accident are they covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • What can I do if my company won’t pay a claim?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Are insurance companies telling the truth?

Drivers can’t avoid all the ads that promise big savings from companies such as Progressive, Allstate and Geico. They all try to convey promises of big savings after switching your insurance coverage to their company.

Is it even possible that every company can make almost identical claims? This is the way they can do it.

Most companies have underwriting criteria for the type of driver that will generate a profit. A good example of a driver they prefer might be described as between the ages of 30 and 50, has no tickets, and has a high credit rating. Someone who matches those parameters receive the lowest rate quotes and is almost guaranteed to cut their rates substantially.

Potential customers who may not quite match this ideal profile will be charged higher premium rates which usually ends up with the prospect going elsewhere. The ad wording is “people who switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully advertise the way they do.

Because of these techniques, it’s extremely important to compare rate quotes every year. You cannot predict which insurance companies will have the best rates at this point in time.

Car insurance 101

Understanding the coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like surgery, hospital visits, pain medications, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your LR2 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

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

Comprehensive insurance covers claims such as hitting a bird, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, structural damage, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Land Rover LR2.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Quote often and quote early

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

People switch companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, poor customer service and being labeled a high risk driver. Whatever your reason, finding a great new company is less work than it seems.

Low-cost 2013 Land Rover LR2 insurance can be bought both online in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have online price quotes and most of the time these regional insurance providers only sell through independent insurance agencies.

More detailed auto insurance information is located at these sites:

Comments About 2013 Land Rover LR2 Insurance

  1. Kenneth Phillips

    I switched to Allstate. Quoted good rates in Indianapolis, IN.

  2. Sonny Hinton

    I live just to the east of San Jose, CA. Received prices from Safeco, Encompass, 21st Century, and AIG Insurance for my LR2 and saved just over $200 a year. Insured with The General before. I even had a DUI years ago.

  3. Janel Cotton

    Located in Pittsburgh, Pennsylvania. Compared rates from a lot of places. Saved roughly $40 a month. Allstate was the most affordable for me. Was with State Farm. It never hurts to quote around.

  4. Hong Wilson

    Here’s my quote info. Proud to be from Houston, TX. Quoted prices from Auto-Owners, Safeco, and Western Auto Insurance for my Land Rover and I think I cut my rates about $60 each month. Are quotes cheaper online?

  5. Lessie Hays

    Will GEICO do a SR22 in Utah?

  6. Mercedes Drake

    I live just to the north of Springfield, MA. I got free quotes with Liberty Mutual, AAA, MetLife, and a couple others for my LR2 and cut my rates about $570 a year. Got better coverage too.

  7. Grazyna Glass

    When do I drop full coverage?

  8. Antonietta Riddle

    When do I drop full coverage?

  9. Mason Cantrell

    Got pretty cheap 2013 Land Rover LR2 insurance from Allstate in Los Angeles, California.

  10. Virgie Hanson

    If you have a clean record and live around Newark, DE, check out Allstate. They seem to be cheaper. Was with Hartford. :P

  11. Emile Reynolds

    Cheaper not always better. From northwest of Hilo, HI. Not sure of all the companies but I ended up saving about $30 each month.

  12. Sharilyn Farmer

    In Lincoln, Nebraska, Allstate auto insurance rates for my 2013 Land Rover LR2 were good. Was with The General. Still almost need a second mortgage.

  13. Bradly Hardy

    I switched to GEICO. Quoted good rates in Birmingham, AL.

  14. Bruno Mcleod

    Does State Farm use ACV or replacement cost?