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Land Rover LR3 Insurance Cost

You have lots of choices when shopping for car insurance for your Land Rover vehicle. You can buy direct from a local agent or go online to compare rates from multiple companies. Finding cheaper car insurance online can be fast and easy and at the same time you might just save a little.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. By far the easiest way to compare Land Rover LR3 insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

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Which factors influence the rate you pay?

Auto insurance rates paid to insure a Land Rover LR3 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance LR3 vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • What you do for a living
  • The amount of protection requested
  • Whether you rent or own your home

A final factor which can affect Land Rover LR3 insurance cost is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the costs to repair may result in lower rates. But new Land Rover models may have a trim level with safety features including pedestrian detection, dual-stage airbags, and blind-spot warning system so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your LR3 from available model years below.

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Land Rover LR3 comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Land Rover LR3 Insurance Rates?