Cheap 2014 Land Rover Range Rover Evoque Insurance Cost

Want lower insurance coverage rates for your Land Rover Range Rover Evoque? Pretty sure you bought an overpriced insurance coverage policy? You’re preaching to the choir because there are lots of people in the same boat. Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the absolute best rates possible.

If you are insured now or need a new policy, you can use these tips to cut your premiums while maximizing coverage. Finding the best rates is quite easy. Drivers just need to learn how to shop their coverage around on the web.

Cheaper rates with these discounts

Auto insurance is neither fun to buy or cheap, but companies offer discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be manually applied before you will receive the discount.

  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Senior Citizens – Drivers that qualify as senior citizens may be able to get lower premium rates on Range Rover Evoque coverage.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount since newer vehicles have better safety ratings.
  • Home Ownership Discount – Owning a house can help you save on auto insurance since owning and maintaining a home is proof of financial responsibility.
  • Sign Early and Save – Some companies reward drivers for buying a new policy before your current policy expires. The savings is around 10%.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and their offered discounts are outlined below.

  • Geico has discounts for multi-policy, seat belt use, air bags, good student, emergency military deployment, federal employee, and multi-vehicle.
  • MetLife offers discounts for multi-policy, good student, accident-free, good driver, defensive driver, claim-free
  • Progressive discounts include multi-policy, online signing, online quote discount, multi-vehicle, and continuous coverage.
  • Travelers may include discounts for home ownership, save driver, hybrid/electric vehicle, multi-car, and multi-policy.
  • SAFECO has savings for drive less, teen safety rewards, safe driver, anti-theft, homeowner, accident prevention training, and multi-car.
  • AAA may have discounts that include multi-policy, pay-in-full, good student, multi-car, and good driver.

When comparing rates, check with every insurance company which discounts they offer. Some discounts listed above may not apply in your area. To find companies with the best auto insurance discounts, follow this link.

Auto insurance can be complex

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out if your insurance needs might need professional guidance.

  • How much liability do I need to cover my assets?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is a fancy paint job covered?
  • Does liability extend to a camper or trailer?
  • Should I drop comprehensive coverage on older vehicles?
  • What is medical payments coverage?
  • Who is covered by my policy?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Switch companies and save? Really?

Drivers can’t escape the ads that claim the lowest premium rates by companies like Progressive, Allstate and Geico. All the ads advertise the message that you can save if you change your policy.

But how can every company make the same claim? This is how they do it.

Insurance companies offer their best rates for the type of driver that will not have excessive claims. For example, this type of driver could possibly be between 25 and 40, has never had a policy lapse, and drives a vehicle with a low ISO rating. A propective insured that hits that “sweet spot” will get low premium rates and will save when switching.

Potential customers who cannot meet these criteria will probably have to pay higher prices and the customer buying from a different company. The trick companies use is to say “people that switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully make the claims of big savings. Because of these techniques, it’s extremely important to get insurance quotes from several different companies. It is just not possible to predict the company that will fit you best based on your risk profile.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Land Rover Range Rover Evoque.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like funeral expenses, attorney fees, medical expenses, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses such as prosthetic devices, hospital visits, rehabilitation expenses and surgery. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

More choices the merrier

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

We just showed you many ways to get a better price on 2014 Land Rover Range Rover Evoque insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best car insurance rates are with a small local company. These companies may only write in your state and offer lower premium rates compared to the large companies like State Farm or Progressive.

More detailed insurance information can be found in these articles:

Comments About 2014 Land Rover Range Rover Evoque Insurance

  1. Jacquetta Donaldson

    It’s all a rip off. Lifelong resident of Augusta, Georgia. Received prices from USAA, AAA, The General, and Sentry for my Land Rover and I think I cut my rates about $60 each month. Was with The General. LOL

  2. Yaeko Hess

    Anyone understand their policy?

  3. Lashawnda Robertson

    I’m in the west part of Newark, New Jersey. Received quotes from Auto-Owners, Eastwood, and Safeco for my Land Rover and I’m now saving $48 a month.

  4. Ardith Reynolds

    Well-written and thought out article. I live just outside Baltimore, MD. Got quotes from GEICO, Erie, and Liberty Mutual for my 2014 Land Rover Range Rover Evoque and saved $553 a year. Moved home policy as well.

  5. Thuy Meadows

    Cheap car insurance? What’s that? Live in the western part of Parkersburg, West Virginia. Quoted quotes from Liberty Mutual, Amica, Nationwide, and a couple others for my 2014 Land Rover Range Rover Evoque and I think I saved around $40 each month.

  6. Maragaret Sheppard

    IMHO Huntington, West Virginia seems to have good rates from Allstate.

  7. Claris Cain

    Live in the eastern part of Norfolk, VA. Compared quite a few companies. Saved darn near $30 a month. GEICO was the cheapest option for me. Insured with MetLife before.

  8. Coreen Rice

    I live in Kansas City, MO. Went online for free insurance quotes for a 2014 Land Rover Range Rover Evoque. Ended up at about $430 savings annually. Went with 21st Century.

  9. Samira Landry

    I live just to the east of Boston, MA. Got quotes from Auto-Owners, Eastwood, and MetLife for my Land Rover and I think I saved about $20 each month. Have a couple speeding tickets too. It’s easy to compare rates online now.