2014 Land Rover Range Rover Sport Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like State Farm and Geico constantly bombard you with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

It’s a great practice to compare prices on a regular basis due to the fact that insurance rates go up and down regularly. If you had the best price on Range Rover Sport insurance a few years ago there may be better deals available now. There is a lot of bad information regarding insurance on the web, but I’m going to show you some solid techniques on how to buy insurance cheaper.

Save with discounts on 2014 Land Rover Range Rover Sport insurance

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Homeowners Discount – Being a homeowner can save you money because owning a home shows financial diligence.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to bad drivers.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Range Rover Sport insurance.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Range Rover Sport insurance with a few car insurance companies.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of companies with discount car insurance rates, click here to view.

Why your Land Rover Range Rover Sport insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine car insurance rates. Knowing what impacts premium levels enables informed choices that can help you get big savings.

  • Lower rates come with age – Teenage drivers have a tendency to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
  • Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents at a similar rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations like real estate brokers, architects and financial analysts tend to pay higher average rates because of high stress levels and lots of time spent at work. Conversely, jobs such as pilots, engineers and performers have the lowest average rates on Range Rover Sport insurance.
  • Frequent car insurance claims increase rates – Companies award cheaper rates to people who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is designed for larger claims.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If the Land Rover Range Rover Sport is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when it comes to car insurance. Drivers in populated areas have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.

Tailor your coverage to you

When choosing adequate coverage, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my 2014 Land Rover Range Rover Sport covered for smoke damage?
  • Do I have coverage when making deliveries for my home business?
  • How do I insure my teen driver?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Collision coverages – This pays for damage to your Range Rover Sport resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle, colliding with a tree, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability coverages – This coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like structural damage, repair costs for stationary objects, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Land Rover Range Rover Sport.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, ambulance fees, dental work and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a bird and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

More comparisons equals lower rates

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced full coverage and learned later that it was a big error on their part. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just learned a lot of ways to get a better price on 2014 Land Rover Range Rover Sport insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

Cheaper insurance is attainable both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

More information is located at the links below