Save on 2017 Land Rover Range Rover Evoque Insurance Rates

Have you finally had enough of scraping the payment together to insure your Land Rover every month? You are no different than many other drivers. Online insurance companies like Geico, Progressive and Allstate continually bombard you with advertising and it is difficult to separate fact from fiction and take the time to shop coverage around.

These discounts can slash insurance coverage rates

Car insurance is not cheap, but there are discounts available that may help make it more affordable. Some of these disounts will be visible at the time you complete a quote, but once in a while a discount must be specifically requested before being credited.

  • Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Range Rover Evoque coverage.
  • Discount for Multiple Policies – When you combine your auto and home insurance with the same company you could save over 10 percent off each policy depending on the company.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less because new model year vehicles are generally safer.
  • Clubs and Organizations – Participating in certain professional organizations can get you a small discount when getting a insurance coverage quote.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Driver Training Discounts – Successfully completing a driver safety course is a good idea and can lower rates if you qualify.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save a little off the PIP or medical payment premium.
  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life policy as well.

Just know that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and some of the premium reductions they offer include:

  • State Farm may include discounts for good driver, anti-theft, good student, student away at school, multiple policy, and Steer Clear safe driver discount.
  • Geico has savings for five-year accident-free, driver training, multi-vehicle, federal employee, emergency military deployment, multi-policy, and military active duty.
  • SAFECO offers discounts for homeowner, safe driver, anti-theft, accident prevention training, drive less, and teen safe driver.
  • Farmers Insurance may offer discounts for business and professional, homeowner, pay in full, early shopping, teen driver, and electronic funds transfer.
  • AAA policyholders can earn discounts including multi-policy, AAA membership discount, good student, multi-car, good driver, and anti-theft.
  • USAA discounts include family discount, loyalty savings, driver training, vehicle storage, annual mileage, and defensive driver.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering to apply every possible discount. A few discounts might not be offered on policies in your state. For a list of insurance companies that have a full spectrum of discounts, click here.

How to compare auto insurance quotes

Finding a lower price on 2017 Land Rover Range Rover Evoque insurance isn’t really that difficult. All that’s required is to spend a few minutes on the computer comparing price quotes from some recommended companies. This can be accomplished using one of these methods.

  • The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This quick form prevents you from having to do separate forms for every auto insurance company. A single form gets prices estimates direct from many companies.
  • A less efficient way to compare rate quotes is to manually visit the website for each individual company and go through the quote process again. For examples sake, we’ll pretend you want rates from Liberty Mutual, Progressive and American Family. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just try to keep the exact same information with every price quote. If you have different deductibles you can’t possibly determine the best price for your Land Rover Range Rover Evoque.

Learn how to find car insurance more affordably

Lots of factors are used in the calculation when quoting car insurance. Some are obvious such as your driving record, although others are less apparent like where you live or how financially stable you are.

The factors shown below are some of the things used by your company to calculate your rate level.

  • Low stress employer equals lower car insurance rates – Occupational choices like judgespolice officers and medical professionals generally pay higher rates than average because of high stress and lengthy work days. On the other hand, occupations like scientists, athletes and performers pay the least on Range Rover Evoque coverage.
  • Liability coverage – Liability insurance is the protection when you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Good credit saves on car insurance – An insured’s credit score can be an important factor in determining what you pay. If your credit rating can be improved, you could save money insuring your 2017 Land Rover Range Rover Evoque if you clean up your credit. Consumers who have excellent credit tend to be better drivers and file fewer claims than those with bad credit.
  • Annual mileage and car insurance premiums – The more you drive every year the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than those that get driven frequently. An improperly rated Range Rover Evoque may be costing you higher rates. Ask your agent if your car insurance policy reflects annual mileage.
  • Age of drivers impacts prices – Drivers with little experience are statistically proven to be more careless when behind the wheel and because of this, their car insurance rates are much higher. Mature drivers are more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you may require specific advice.

  • What is high-risk coverage and where do I buy it?
  • Do I have coverage when making deliveries for my home business?
  • Is business equipment covered while in my vehicle?
  • What if I owe more than I can insure my car for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does liability extend to a camper or trailer?
  • Should I buy full coverage?
  • What is medical payments coverage?
  • Is rental equipment covered for theft or damage?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by car insurance companies.

Liability insurance

Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, medical services, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for dental work, rehabilitation expenses, funeral costs and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Range Rover Evoque resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, rock chips in glass, falling objects and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Land Rover Range Rover Evoque.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A fool and his money are soon parted

As you quote insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Affordable 2017 Land Rover Range Rover Evoque insurance is attainable from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies may not have online price quotes and these regional carriers only sell through independent agencies.

Additional detailed information can be found in these articles:

Comments About 2017 Land Rover Range Rover Evoque Insurance

  1. Antoine Lara

    If you’re a decent driver and are close to Wilmington, Delaware, check out GEICO. You might save some money. Insured with Allstate before. Not sure if rates are cheaper online or through an agent.

  2. Coleman Brewer

    Is Allstate cheaper than Progressive in Albuquerque, NM?

  3. Codi Mason

    I got quite a few price quotes for a 2017 Land Rover Range Rover Evoque in Louisville, KY. Ended up at roughly $320 every six months with Amica. Was with Auto-Owners. Switched homeowners coverage too.

  4. Birdie Shaw

    I live in Overland Park, KS. Quoted with American Family, Eastwood, and MetLife for my 2017 Land Rover Range Rover Evoque and I’m now saving $62 a month. Was with Mercury.

  5. Georgene Mcmahon

    Live in Raleigh, NC. Got car insurance quotes from Safeco, Esurance, Progressive, and AIG Insurance for my Land Rover and saved just over $460 a year. Might find lower rates online.

  6. Sonya Ware

    Anyone find cheap rates around Charlotte, NC?

  7. Val Andrews

    Went with Sentry for my Range Rover Evoque and saved about $480 a year. Insured with MetLife before. Even increased coverage a bit.

  8. Mariano Foreman

    I live just outside Great Falls, MT. Quoted with AAA, MetLife, and some smaller one I can’t remember the name of for my Land Rover and saved about $270 a year.

  9. Rashad Workman

    GEICO and State Farm had the best prices I found in Nebraska.

  10. Rusty Cortez

    Nice info. I live just to the south of San Jose, CA. Don’t remember every company but I ended up saving about $20 each month.

  11. Vera Cummings

    From northwest of Biloxi, MS. I quoted with Progressive, AAA, Encompass, and Hartford for my Land Rover and I’m now saving $27 a month. I even had a DUI years ago. Online quotes are the way to go.

  12. Ernie Larson

    It’s all a rip off. Checking in from Burlington, VT. Don’t remember every company but I ended up saving about $50 each month. Insured with Travelers before. It’s easy to compare rates online now.

  13. Shaun Mcleod

    I’m from Springfield, Massachusetts. Quoted with Progressive, American Family, and Eastwood for my Range Rover Evoque and saved just over $300 a year. Left Nationwide to switch. Have an at-fault accident tho. Online quotes are the way to go.

  14. Glynis Wallace

    If you have a good history and live near Huntington, West Virginia, check out State Farm. You might save some money.

  15. Eula Reese

    IT’S ALL TOO EXPENSIVE! I live in Phoenix, AZ. Got car insurance prices from Progressive, Farmers, and The General for my Land Rover and saved $446 a year. I have kids on my policy, too. Just waiting to see how claims go.

  16. Terrell Hansen

    Cheaper car insurance is a myth. Live in the western part of Juneau, AK. Got car insurance quotes from Hartford, AIG Insurance, Nationwide, and a couple others for my 2017 Land Rover Range Rover Evoque and cut my rates about $370 a year.