2003 Land Rover Range Rover Car Insurance Quotes

Searching for better insurance rates for your Land Rover Range Rover? Locating better insurance prices for a Land Rover Range Rover can turn out to be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy insurance so you’re going to learn the proper way to get price quotes for a Land Rover and obtain the cheapest rates either online or from local insurance agents.

Finding Insurance Coverage Deals

Shopping for lower insurance coverage rates can be a lot of work if you don’t know the best way to get rate quotes. You could spend your day driving to agents in your area, or you could use online quotes to get pricing more quickly.

Most of the larger companies participate in a marketplace where prospective buyers submit one quote, and at least one company then returns a price quote. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To compare 2003 Land Rover Range Rover rates using this form now click here (opens in new window).

The single downside to comparing rates this way is that consumers can’t choose the insurers to get pricing from. If you would rather choose specific insurance companies to compare rates, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare the exact same coverages and limits for every quote you compare. If your comparisons have differing limits it’s impossible to determine the lowest rate for your Land Rover Range Rover.

Ads can be misleading

Drivers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the ads have a common claim that you’ll save big if you switch to them.

But how can every company say the same thing?

All companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk might be between 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential customers who are not a match for these standards will be quoted higher prices and this can result in business not being written. The ads say “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently claim big savings. This emphasizes why you should get quotes from several different companies. It is impossible to predict which insurance company will provide you with the cheapest Land Rover Range Rover insurance rates.

Lots of discounts mean lots of savings

Car insurance companies don’t list every discount in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Defensive Driver – Taking a driver safety course could save 5% or more depending on where you live.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance coverage rates for Range Rover insurance.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.

Car insurance companies that may offer these benefits include:

Check with each company which discounts you may be entitled to. Some discounts may not apply in your state.

Situations that might require an agent

When it comes to buying the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • Do all my vehicles need collision coverage?
  • Why does it cost so much to insure a teen driver?
  • Can I rent a car in Mexico?
  • How much liability do I need to cover my assets?
  • What is the ISO rating for a 2003 Land Rover Range Rover?
  • If I drive on a suspended license am I covered?
  • Can I still get insurance after a DUI?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Coverage specifics

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Land Rover Range Rover.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for things like dental work, rehabilitation expenses, chiropractic care, pain medications and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, falling objects, vandalism and rock chips in glass. The highest 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 not worth carrying full coverage.

Liability coverages – This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, pain and suffering, loss of income, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Range Rover resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Take this to the bank

Lower-priced 2003 Land Rover Range Rover insurance is attainable both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and these regional insurance providers work with independent agents.

Throughout this article, we presented quite a bit of information on how to lower your insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the lesser-known companies.

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, high prices, high rates after DUI convictions or not issuing a premium refund. Regardless of your reason, finding a new company can be less work than you think.

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