2013 Land Rover Range Rover Car Insurance Quotes – 9 Discounts for Cheaper Rates

Getting lower-cost insurance coverage on the internet can be somewhat intimidating for drivers new to comparing rates on the internet. With such a large choice of insurers available, how are drivers able to possibly compare every company in order to find better prices?

Ways to get auto insurance quotes

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize the internet to maximize your effort.

Many insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests to each individual auto insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to using this type of form is that you can’t choose which insurance companies to receive prices from. If you wish to select individual companies for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to use equivalent quote data on every quote you get. If the quotes have unequal deductibles or liability limits it’s impossible to make a fair rate comparison. Quoting even small variations in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing more quotes will increase your chances of finding better pricing.

More discounts mean lower-cost premiums

Companies that sell car insurance do not list every available discount very well, so the list below contains a few of the more common and the more hidden credits available to you.

• Theft Prevention System – Cars optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy before your current expiration date. This discount can save up to 10%.
• No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease on Range Rover insurance with select insurance companies.
• Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Range Rover insurance than less cautious drivers.
• Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident before they charge you more for coverage as long as you don’t have any claims before the accident.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

Some of the insurance companies that have these discounts include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Double check with every company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in every state.

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you might need professional guidance.

• What is UM/UIM insurance?
• Is my state a no-fault state?
• When should I drop full coverage on my 2013 Land Rover Range Rover?
• Do I need more liability coverage?
• What is PIP insurance?
• Is my cargo covered for damage or theft?
• Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, hail damage and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This coverage protects you from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, court costs, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, dental work, nursing services, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Land Rover Range Rover.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.