Lower Your 2014 Land Rover LR4 Insurance Rates

No one likes paying for auto insurance, in particular when the price is too high.

Numerous insurers battle for your hard-earned dollar, so it can be very hard to choose a insurance company and get the best coverage at the cheapest price

It’s a great practice to take a look at other company’s rates before your next renewal because rates tend to go up over time. Just because you found the best premium rates for LR4 coverage a year ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

How to get free insurance quotes online

Comparing insurance rates can be challenging if you don’t understand the most efficient way. You can spend your afternoon talking to local insurance agents in your area, or you can utilize the internet to get prices fast.

Many popular insurance companies belong to a marketplace where insurance shoppers submit their information once, and each company can give them a price determined by their information. This system prevents you from having to do quote requests for each company.

To compare rates using this form now click here to start a free quote.

The one downside to doing it this way is you can’t choose which insurance companies you want to price. So if you want to select individual companies to compare rates, we have a page of low cost insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same quote information for every quote you compare. If you are comparing differing limits it’s not possible to make a fair comparison for your Land Rover LR4. Slightly different coverages could skew the results. And when comparison shopping, comparing all the rates in your area will enable you to find better pricing.

More discounts mean cheap premiums

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Most are applied at the time of quoting, but once in a while a discount must be asked about before you will receive the discount.

• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for LR4 coverage depending on your insurance provider.
• Multi-car Discount – Drivers who insure multiple vehicles on one policy qualifies for this discount.
• Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company they may give you a discount of approximately 10% to 15%.
• No Claim Discounts – Insureds with no claims or accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like Libery Mutual, Geico and Allstate will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
• Telematics Data Discounts – People who choose to allow companies to monitor driving habits remotely like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.
• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
• Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• College Student Discount – Any of your kids who live away from home to go to college and do not take a car to college may qualify for this discount.

Just know that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will help reduce the amount you pay for coverage.

A list of insurance companies and some of the premium reductions they offer are included below.

• State Farm includes discounts for good driver, driver’s education, multiple policy, defensive driving training, multiple autos, and good student.
• Esurance has savings for online shopper, safety device, online quote, good student, and claim free.
• Progressive may have discounts that include homeowner, online signing, continuous coverage, good student, multi-policy, and online quote discount.
• Liberty Mutual may offer discounts for hybrid vehicle, new move discount, multi-policy, teen driver discount, new vehicle discount, safety features, and multi-car.
• Auto-Owners Insurance offers discounts for company car, paperless, multi-policy, group or association, paid in full, and safe driver.
• Geico has discounts for driver training, military active duty, daytime running lights, air bags, five-year accident-free, defensive driver, and good student.

If you need lower rates, check with each insurance company what discounts are available to you. Savings may not be available in your area. For a list of companies who offer discounts, follow this link.

It’s not one size fits all

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• Is my teenager covered with friends in the car?
• Should I file a claim if it’s only slightly more than my deductible?
• What discounts do I qualify for?
• Can I make deliveries for my home business?
• What is medical payments coverage?
• Is business property covered if stolen from my car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage options for a 2014 Land Rover LR4

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as chiropractic care, EMT expenses, X-ray expenses, surgery and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, hitting a bird and a broken windshield. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $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.

Liability insurance covers things like emergency aid, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision protection

This pays for damage to your LR4 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.