2016 Land Rover Range Rover Insurance Quotes – 5 Tips for Cheaper Rates

Finding lower rates for insurance can be a challenge for consumers new to shopping for insurance online. There are so many choices that it can turn into more work than you anticipated to find lower rates.

Finding the best rates is easy if you know what you’re doing. Basically, anyone who shops for insurance will more than likely be able to find better rates. Although vehicle owners must learn how companies price online insurance and take advantage of how the system works.

Pay less by taking advantage of these five discounts

Companies don’t list every available discount very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.
Military Discounts – Being deployed with a military unit could mean lower rates.
Memberships – Belonging to a professional or civic organization could qualify you for a break when shopping for auto insurance for Range Rover coverage.
Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurers with the best auto insurance discounts, click here.

Your coverage should be tailored to you

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions could help you determine whether or not you might need professional guidance.

Am I covered when driving on a suspended license?
How much can I save by bundling my policies?
Can my teen drive my company car?
Am I covered if I break a side mirror?
When does my teenage driver need to be added to my policy?
Who is covered by my policy?
Can I afford to buy a different vehicle if my 2016 Land Rover Range Rover is totaled?
When would I need additional glass coverage?
Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

The fine print in insurance ads

Progressive, Allstate and Geico continually stream ads on TV and radio. All the companies say the same thing that you can save after switching your coverage to them. How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer might be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who do not match this ideal profile must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can state the savings. This illustrates why it is so important to get as many comparisons as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Land Rover Range Rover insurance rates.

Coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, structural damage, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2016 Land Rover Range Rover.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, fire damage, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for things like surgery, nursing services, hospital visits, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Range Rover from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Do the work, save more money

Cheap 2016 Land Rover Range Rover insurance can be found online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies don’t offer online price quotes and these smaller companies work with independent agents.

We covered a lot of tips how to save on insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from a small mutual company.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.