2013 Land Rover Range Rover Evoque Insurance Rates – 8 Savings Tips

Searching for the cheapest insurance rates for your Land Rover Range Rover Evoque? Locating the cheapest insurance for a new or used Land Rover Range Rover Evoque can be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance so you’re going to learn the best way to price shop coverage for a Land Rover and locate the lowest possible price from local insurance agents and online providers.

Double check you’re getting with these eight discounts

Companies offering auto insurance don’t list every discount they offer very well, so we took the time to find a few of the more common and also the lesser-known credits available to bring down your rates.

• Include Life Insurance and Save – If the company offers life insurance, you could get better premium rates if you take out some life insurance too.
• Early Signing – Select insurance companies give a discount for renewing your policy before your current expiration date. It’s a savings of about 10%.
• Anti-theft Discount – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally until age 25.
• 55 and Retired – If you’re over the age of 55, you may receive a small discount on rates on Range Rover Evoque coverage.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper since newer vehicles have better safety ratings.
• First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate and State Farm will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help reduce your insurance premiums.

A partial list of companies that may offer these discounts possibly include:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When quoting, ask all the companies how many discounts you can get. Some discounts might not be available to policyholders in your area.

Low cost insurance coverage prices

Most companies give coverage prices from their websites. This process is quite easy as you simply enter the coverages you want as detailed in the form. Upon sending the form, the quote system pulls your driving and credit reports and returns a price quote.

This makes it simple to compare prices but the process of having to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s necessary to have as many quotes as possible in order to get a better rate.

The easy way to compare rates

The preferred way to find lower prices makes use of a single form to get prices from more than one company. It’s a real time-saver, eliminates form submissions, and makes online price comparison much simpler. Once the form is submitted, it is quoted and you can select any of the quote results. If you find a better price you can simply submit the application and buy the new coverage. The entire process only takes a few minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in the coverage information exactly as they are listed on your policy. This guarantees you will have rate quotes for the exact same coverage.

Your situation helps dictate your coverage

When it comes to buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you would benefit from professional advice.

• How can I get my company to pay me more for my totalled car?
• Are my friends covered when driving my car?
• If I drive on a suspended license am I covered?
• Am I better off with higher deductibles on my 2013 Land Rover Range Rover Evoque?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I rate my 2013 Land Rover Range Rover Evoque as pleasure use or commute?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Advertising and car insurance

Drivers can’t get away from ads for cheaper car insurance by Progressive, Geico, Allstate and State Farm. They all convey the message about saving some big amount if you change your policy.

But how can every company offer drivers better rates? It’s all in the numbers.

Most companies have specific characteristics for a prospective insured that earns them the most money. An example of a preferred risk could possibly be married and over the age of 30, has no prior claims, and drives a vehicle with a low ISO rating. Anyone who fits those characteristics will probably get cheap premium rates and will save quite a bit of money when switching.

Drivers who don’t meet this stringent profile will see higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great prices. This really emphasizes why it is so important to compare rate quotes every year. You cannot predict which insurance companies will have the lowest premium rates for your situation.

Auto insurance 101

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for liability

This protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, pain and suffering, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Land Rover Range Rover Evoque.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, hospital visits, EMT expenses and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This covers damage to your Range Rover Evoque resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

More quotes mean more savings

Drivers who switch companies do it for any number of reasons including high prices, delays in paying claims, questionable increases in premium or being labeled a high risk driver. It doesn’t matter why you want to switch finding the right auto insurance provider is less work than it seems.

Discount 2013 Land Rover Range Rover Evoque insurance is available online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent agents.

We covered some good ideas how to compare 2013 Land Rover Range Rover Evoque insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Even more information is available at these sites:

• Anti-Lock Brake FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)