2004 Land Rover Range Rover Insurance Cost

Are you kicking yourself for buying high-priced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as Allstate and Progressive continually hit you with fancy advertisements and it can be hard to see past the corporate glitz and find the best price available.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Finding the best rates is not that difficult. But vehicle owners must comprehend how the larger insurance companies sell insurance online and use this information to your advantage.

Quote auto insurance online

Performing a rate comparison is a ton of work if you don’t know the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting for quick rates.

Most major companies take part in a program where prospective buyers submit their information once, and every company returns a competitive quote for coverage. This saves time by eliminating repetitive form submissions to each company.

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

The one downside to using this type of form is you cannot specify which carriers you want to price. So if you want to choose from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use exactly the same coverages and limits on every price quote you get. If you have different deductibles it will be impossible to determine the best price for your Land Rover Range Rover. Slightly different limits could mean much higher rates. And when quoting auto insurance, remember that comparing all the rates in your area will increase your chances of finding lower pricing.

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Lower rates by qualifying for these ten discounts

Car insurance is easily one of your largest bills, but there may be some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but a few must be asked about prior to getting the savings.

Memberships – Joining a qualifying organization could qualify you for a break when getting a insurance quote.
Telematics Discount – Insureds who allow data collection to monitor vehicle usage through the use of a telematics system such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
Responsible Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates on Range Rover coverage as compared to drivers with claims.
Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy some life insurance too.
Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on Range Rover coverage with select insurance companies.
One Accident Forgiven – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm permit an accident before they charge you more for coverage if you are claim-free for a set time period.
Theft Deterent – Cars that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
Student Driver Training – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
Full Payment Discount – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
Multiple Vehicles – Having several vehicles on a single policy could earn a price break for each car.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

A few popular companies and some of their more popular discounts are shown below.

State Farm includes discounts for multiple autos, Steer Clear safe driver discount, good student, driver’s education, safe vehicle, defensive driving training, and passive restraint.
GEICO offers discounts including multi-vehicle, military active duty, membership and employees, federal employee, emergency military deployment, and anti-theft.
Liberty Mutual has savings for multi-car, multi-policy, teen driver discount, new graduate, new vehicle discount, and safety features.
The Hartford has discounts for vehicle fuel type, defensive driver, bundle, good student, and anti-theft.
MetLife offers premium reductions for multi-policy, claim-free, good student, defensive driver, good driver, accident-free
Progressive discounts include homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, good student, and multi-policy.

When quoting, ask every insurance company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area.

Auto insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help you determine whether you could use an agent’s help.

What should my uninsured motorist coverage limits be in my state?
When should I drop full coverage on my 2004 Land Rover Range Rover?
Why am I be forced to buy a membership to get insurance from some companies?
What if I total my 2004 Land Rover Range Rover and owe more than it’s worth?
Where can I find DUI or SR-22 insurance?
When should I buy a commercial auto policy?
When can I cancel my policy?
Do I need higher collision deductibles?
Does my liability insurance cover pulling a trailer or camper?
Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a Land Rover Range Rover

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Liability insurance

This provides protection from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, attorney fees, repair bills for other people’s vehicles, emergency aid and court costs. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision insurance

This will pay to fix damage to your Range Rover caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, rolling your car, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for things like prosthetic devices, surgery, EMT expenses, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, hail damage, rock chips in glass and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In Summary

You just read many tips how you can save on 2004 Land Rover Range Rover insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Some insurance coverage companies may not have online price quotes smaller companies prefer to sell through local independent agents. Cost effective 2004 Land Rover Range Rover insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection.

Additional information is available at the links below