1996 Land Rover Range Rover Insurance Rates – 6 Discounts for Cheapest Quotes

Looking for the cheapest insurance rates for your Land Rover Range Rover? Do you get exhausted from not being able to scrape enough together to pay your insurance bill each month? You’re in the same situation as many other consumers. With so many companies to choose from, it’s nearly impossible to choose the cheapest insurance provider.

Are you getting every discount?

Auto insurance companies don’t always list every discount very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy insurance coverage online.

• Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% on Range Rover coverage depending on your company.
• Discounts for Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates on Range Rover coverage compared to rates paid by drivers with frequent claims.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
• Claim Free – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best insurance coverage companies and their possible discounts include:

• Farmers Insurance discounts include multi-car, switch companies, business and professional, alternative fuel, and bundle discounts.
• State Farm has discounts for student away at school, good student, multiple autos, passive restraint, and anti-theft.
• Liberty Mutual has savings for new move discount, new graduate, hybrid vehicle, multi-car, and newly retired.
• MetLife policyholders can earn discounts including claim-free, good driver, accident-free, good student, multi-policy, and defensive driver.
• Progressive offers discounts including continuous coverage, good student, online quote discount, online signing, multi-vehicle, multi-policy, and homeowner.

Check with every prospective company which discounts they offer. Discounts may not apply to policyholders in your area. To see insurance coverage companies that offer the discounts shown above, click here to view.

When in doubt talk to an agent

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover if you could use an agent’s help.

• Do I have coverage when using my vehicle for my home business?
• How much liability insurance is required?
• Who is covered when they drive my 1996 Land Rover Range Rover?
• Am I covered when using my vehicle for business?
• Do I need to file an SR-22 for a DUI in my state?
• What if I total my 1996 Land Rover Range Rover and owe more than it’s worth?
• Should I drop comprehensive coverage on older vehicles?
• When can my company non-renew my policy?
• Can I still get insurance after a DUI?
• How high should deductibles be on a 1996 Land Rover Range Rover?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about car insurance coverages

Having a good grasp of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, X-ray expenses and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Range Rover resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability – Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, loss of income, repair costs for stationary objects and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Coverage on a shoestring budget

Some insurance providers may not have price quotes online and many times these small, regional companies only sell coverage through independent insurance agencies. Lower-priced car insurance can be purchased both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.

In this article, we presented many tips how you can lower your 1996 Land Rover Range Rover insurance prices. The key thing to remember is the more companies you get rates for, the better your comparison will be. Drivers may discover the biggest savings come from some of the smallest insurance companies. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Additional information can be read on the following sites:

• Speed and Speed Limit FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)