Compare 1998 Land Rover Range Rover Car Insurance Rates

Having to pay for overpriced Land Rover Range Rover insurance can drain your checking account and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest price

You should take the time to compare prices at least once a year due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates for Range Rover coverage a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners only need an understanding of the most efficient way to get comparison rates online.

Free Car Insurance Quotes

Cutting your car insurance rates can be relatively painless. Drivers just need to spend a few minutes to compare rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The single most time-saving way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company you want a rate for. A single, simple form gets you coverage quotes from car insurance companies with the best prices.

A different way to compare prices consists of visiting the website for every company you want to comare to request a price quote. For example, let’s say you want to compare rates from Nationwide, 21st Century and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples quote information for every company. If you use different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Land Rover Range Rover.

Get lower rates on Land Rover Range Rover insurance

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts up to 30%.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount when buying insurance coverage for Range Rover coverage.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Range Rover coverage with a few insurance coverage companies.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Range Rover coverage than drivers with accident claims.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts include:

Double check with every prospective company which discounts they offer. Savings might not be offered in your area.

Tailor your coverage to you

When choosing coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • When should I not file a claim?
  • Is my nanny covered when driving my vehicle?
  • Is my 1998 Land Rover Range Rover covered for flood damage?
  • How can I find cheaper teen driver insurance?
  • Does liability extend to a camper or trailer?
  • Should I buy only the required minimum liability coverage?
  • I don’t drive much so do I pay less?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Comprehensive coverage

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

Comprehensive coverage pays for claims like falling objects, a broken windshield, vandalism, damage from flooding and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This protects you from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, funeral expenses, medical expenses, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance covers damage to your Range Rover resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1998 Land Rover Range Rover.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Buy online or local, you save

Cost effective 1998 Land Rover Range Rover insurance can be found from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented a lot of tips how to reduce insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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