Cheaper 2013 Land Rover Range Rover Insurance Rates

Looking for lower auto insurance rates for your Land Rover Range Rover? Are you regretting buying overpriced auto insurance? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. With so many auto insurance companies to choose from, it is very difficult to find a more affordable insurance company.

Discount auto insurance quotes

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Some of these disounts will be visible when you complete an application, but occassionally some discounts must be asked about before they will apply.

• Data Collection Discounts – Insureds that choose to allow data collection to study driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
• Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
• Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Senior Citizen Discount – Mature drivers may qualify for a small decrease in premiums for Range Rover insurance.
• Student in College – College-age children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
• Accident Waiver – Not really a discount, but some insurance companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
• Buy New and Save – Putting insurance on a new car can get you a discount compared to insuring an older model.

As a sidenote, most credits do not apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A list of auto insurance companies and a selection of discounts are included below.

• Esurance may include discounts for paid-in-full, online quote, defensive driver, good driver, and good student.
• The Hartford has discounts for vehicle fuel type, good student, driver training, anti-theft, air bag, and bundle.
• AAA may offer discounts for multi-car, pay-in-full, AAA membership discount, good driver, and good student.
• Geico has savings for good student, driver training, multi-policy, anti-theft, and five-year accident-free.
• State Farm includes discounts for good driver, good student, student away at school, multiple policy, multiple autos, Drive Safe & Save, and Steer Clear safe driver discount.

Check with each insurance company which discounts you qualify for. Some discounts might not be offered everywhere. To choose insurance companies with discount rates, click here.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine if you could use an agent’s help.

• What is PIP insurance?
• What are the best liability limits?
• How can I find cheaper teen driver insurance?
• Am I better off with higher deductibles on my 2013 Land Rover Range Rover?
• Is my custom paint covered by insurance?
• Do I need medical payments coverage since I have good health insurance?
• What discounts do I qualify for?
• If my 2013 Land Rover Range Rover is totaled, can I afford another vehicle?
• Will my insurance pay for OEM parts?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Save $465 a year! What?

Drivers can’t avoid all the ads for cheaper insurance coverage by companies like 21st Century, Allstate and State Farm. All the ads say the same thing that drivers will save a bundle if you switch your policy.

That’s great but how can every company offer you a better deal? Here is how they do it.

Insurance coverage companies have strict underwriting profiles for the type of driver that makes them money. An example of a profitable risk profile should be over the age of 40, has a clean driving record, and insures a new vehicle. A customer getting a price quote who fits that profile will get a cheap rate quote and will most likely save quite a bit of money when switching.

Potential insureds who do not meet these standards will be charged more expensive rates and business not being written. The ads state “people who switch” but not “everyone who gets a quote” save that much. That is how companies can state the savings. Because of these techniques, you really should compare free insurance quotes often. It’s not possible to predict the company that will have better car insurance rates than you’re paying now.

Coverages available on your car insurance policy

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Auto liability insurance – This protects you from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as loss of income, pain and suffering and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as surgery, prosthetic devices, funeral costs, nursing services and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, fire damage, a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision insurance covers damage to your Range Rover from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Make an honest buck

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage and learned later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

Cheaper car insurance is available from both online companies and with local insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance companies may not have rate quotes online and most of the time these regional carriers only sell coverage through local independent agencies.

Additional detailed information is located in these articles:

• Drunk Driving Statistics (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)