Cheaper 1996 Land Rover Range Rover Car Insurance Cost

Looking for better insurance coverage rates for your Land Rover Range Rover? Finding better insurance prices for a Land Rover Range Rover can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to find insurance coverage online and we’ll show you the proper way to get price quotes for a new or used Land Rover and obtain the cheapest rates from local insurance agents and online providers.

Smart consumers take time to do price comparisons as often as possible due to the fact that insurance prices are constantly changing. Just because you found the best rate on Range Rover coverage two years ago you will most likely find a better premium rate today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

How to buy car insurance

Effectively comparing car insurance prices is a ton of work if you don’t know the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Many insurance companies participate in an industry program where insurance shoppers send in one quote, and each company then returns a price quote. This eliminates the need for quotation requests to each individual car insurance company.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of system is that consumers can’t choose the companies you will receive quotes from. So if you want to select specific insurance companies to compare, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make darn sure you compare the exact same coverage limits with each company. If you compare different limits and deductibles on each one it will be impossible to get a fair rate comparison.

Cheaper insurance coverage rates with discounts

Not too many consumers would say insurance coverage is affordable, but you might already qualify for some discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but some need to be requested specifically before being credited.

  • Military Discounts – Having a family member in the military may lower your premium rates slightly.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Range Rover coverage than less cautious drivers.
  • Professional Organizations – Being in a civic or occupational organization could trigger savings on insurance coverage.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since newer models have better safety ratings.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because it is proof of financial responsibility.
  • Low Mileage Discounts – Keeping the miles down on your Land Rover can earn cheaper prices.

Keep in mind that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

Large insurance coverage companies and some of their more popular discounts can be read below.

  • AAA has discounts for multi-policy, AAA membership discount, good student, good driver, anti-theft, and multi-car.
  • Progressive offers discounts including multi-policy, multi-vehicle, homeowner, good student, and online signing.
  • State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, good student, safe vehicle, multiple policy, and Drive Safe & Save.
  • Esurance has savings for anti-theft, Pac-12 alumni, good driver, good student, emergency road assistance, and defensive driver.
  • Nationwide offers discounts for anti-theft, business or organization, multi-policy, defensive driving, good student, and easy pay.

It’s a good idea to ask each company or agent to apply every possible discount. Some credits may not apply in your area. If you would like to see a list of providers who offer online insurance coverage quotes, click here to view.

Learn how to lower your insurance prices

Multiple criteria are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, but some are less apparent such as your credit history or your commute time.It’s important that you understand the factors that go into determining the rates you pay for insurance. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels.

The items below are some of the items that factor into rates.

  • Cut rates and deter theft – Owning a car that has an advanced theft prevention system can help lower your rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
  • Save miles and save money – The higher the miles on your Land Rover each year the higher the price you pay to insure it. Almost all companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much cost less to insure compared to those used for work or business. Improper usage on your Range Rover is throwing money out the window. It’s a smart idea to ensure your insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Defend yourself with liability protection – Liability coverage kicks in if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Combining policies can get discounts – Many insurance companies will award discounts to people that have more than one policy in the form of a multi-policy discount. Even with this discount applied, you still need to compare rates to help ensure you have the lowest rates.
  • Lower rates by increasing coverage deductibles – Comprehensive and collision coverage deductibles are how much you are willing to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, damage from fire, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the better rate you will receive on Range Rover coverage.
  • Avoid traffic tickets – Having a clean driving record has a huge affect on how much you pay. Even a single speeding ticket or other violation can increase the cost of insurance substantially. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers unfortunate enough to have flagrant violations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?
  • How do I insure my teen driver?
  • Do I need more liability coverage?
  • What if I total my 1996 Land Rover Range Rover and owe more than it’s worth?
  • Is a blown tire covered by insurance?
  • When should I not file a claim?
  • Is my custom paint covered by insurance?
  • Do I have coverage if my license is suspended?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance advertisements

Consumers can’t avoid all the ads that claim the best car insurance rates from the likes of State Farm, Allstate and GEICO. All the ads have a common claim that you can save just by switching your coverage to them.

How is it plausible that every one can give you a lower rate?

Insurance providers look for specific characteristics for the driver that earns them the highest profit. A good example of a profitable insured might be described as over age 30, has few claims, and chooses high deductibles. A driver who matches that profile will probably get the lowest rates and will most likely save when switching.

Potential insureds who don’t meet this stringent profile will probably have to pay a higher premium and this can result in business going elsewhere. The ads say “people that switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can make those claims.

This really emphasizes why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest car insurance rates for your situation.

Specific coverages for a Land Rover Range Rover

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills like nursing services, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays for 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 can pay for claims like hail damage, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, pain and suffering, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Range Rover resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Final thoughts

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, lack of trust in their agent or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is actually quite simple.

Throughout this article, we presented many ideas to shop for 1996 Land Rover Range Rover insurance online. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small mutual company.

Some insurance providers may not offer price quotes online and these regional carriers work with local independent agents. The cheapest 1996 Land Rover Range Rover insurance can be bought from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about auto insurance is located at the links below