2015 Land Rover LR4 Car Insurance Quotes – 6 Tips for Best Rates

Are you regretting buying overpriced auto insurance? Don’t sweat it because many consumers are in the same pinch. Insurance companies such as State Farm, Geico and Farmers Insurance all claim big savings, bombarding you with advertising and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good idea to compare rates once or twice a year since prices are rarely the same from one policy term to another. Just because you had the best rates for LR4 coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the fastest way to save on auto insurance.

More discounts mean cheap premiums

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Sign Early and Save – Some larger companies give discounts for switching to them before your current coverage expires. This discount can save up to 10%.
• Save with More Vehicles Insured – Buying coverage for all your vehicles on one policy could earn a price break for each car.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Defensive Driving Course – Taking part in a driver safety course could earn you a small percentage discount if your company offers it.
• Resident Student – who are attending college without a vehicle on campus can receive lower rates.
• Active Service Discounts – Having a family member in the military could be rewarded with lower auto insurance rates.

Discounts lower rates, but most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it’s just not the way it works. But all discounts will definitely lower your premiums.

A few popular companies and the discounts they provide are outlined below.

• 21st Century may include discounts for early bird, driver training, air bags, homeowners, and theft prevention.
• State Farm offers discounts for passive restraint, anti-theft, accident-free, multiple policy, good driver, and driver’s education.
• AAA includes discounts for multi-car, good student, AAA membership discount, education and occupation, good driver, and pay-in-full.
• Liberty Mutual has savings for newly retired, newly married, new move discount, preferred payment discount, multi-car, multi-policy, and new vehicle discount.
• Progressive has discounts for online quote discount, good student, online signing, continuous coverage, multi-policy, homeowner, and multi-vehicle.

If you are trying to find affordable auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not be offered in your area. To locate auto insurance companies who offer discounts, follow this link.

It’s not one size fits all

When choosing adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining if you would benefit from professional advice.

• Will my insurance pay for OEM parts?
• Do I need replacement cost coverage on my 2015 Land Rover LR4?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my 2015 Land Rover LR4 need full coverage?
• How high should deductibles be on a 2015 Land Rover LR4?
• Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Having a good grasp of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Liability coverage

Liability insurance will cover damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for ambulance fees, pain medications, prosthetic devices, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your LR4 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, damage from flooding and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2015 Land Rover LR4.

Because many people 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.

Have money to burn

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured cut comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

Budget-friendly auto insurance is possible from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer rates over the internet and these regional insurance providers work with independent agencies.

To read more, feel free to browse these articles:

• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Help Your Teen Be a Better Driver (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Insurance Losses by Make and Model (iihs.org)