2013 Land Rover LR4 Car Insurance Cost

Looking for the cheapest car insurance rates for your Land Rover LR4? Finding the cheapest insurance for your Land Rover LR4 can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare car insurance rates and we’ll show you the proper way to price shop coverage for a new or used Land Rover and find the lowest price from local insurance agents and online providers.

It’s a good idea to do rate comparisons before your policy renews since prices are usually higher with each renewal. Just because you found the lowest price for LR4 coverage two years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the best ways to find lower rates on car insurance.

How to buy auto insurance online

Finding a better price on auto insurance is a great way to save money. Drivers just need to take a few minutes to get quotes online with multiple companies. Rate comparisons can be done using a couple different methods.

  • One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This quick form prevents you from having to do separate quotation requests to each individual auto insurance company. A single, simple form gets prices estimates from several companies.It’s the quickest way to get rates.
  • A less efficient way to get comparison quotes is to manually visit the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you want rates from USAA, Liberty Mutual and Allstate. To get rate quotes you would need to navigate to each company’s site and enter your information, which is why first method is reommended. For a list of companies in your area, click here.
  • The final way to find and compare rates is physically going to local insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a need for the personal advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.

Whichever method you choose, compare identical coverage limits for every quote you compare. If you enter unequal deductibles or liability limits you can’t possibly make a fair comparison for your Land Rover LR4.

Auto insurance policy discounts

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Certain reductions will be credited when you quote, but less common discounts must be inquired about prior to getting the savings.

  • Auto/Home Discount – If you have multiple policies with one insurance company you will save up to 20% and get you cheaper car insurance.
  • Organization Discounts – Being in certain professional organizations could earn you a nice discount on your next auto insurance statement.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Senior Discount – Older drivers can get a slight reduction on a car insurance quote for LR4 coverage.
  • Multiple Cars – Having primary and secondary vehicles with the same auto insurance company qualifies for this discount.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premium rates.
  • No Accidents – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.

We need to note that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

If you would like to view auto insurance companies who offer cheap auto insurance quotes, click here to view.

Five things that determine your insurance prices

Many things are part of the calculation when premium rates are determined. Some are obvious such as your driving history, although some other factors are not as apparent such as your marital status or your financial responsibility.

The following are some of the things used by insurance companies to determine rates.

  • Cars with good safety ratings means better prices – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid which can result in lower premiums.
  • Employer stress can affect premiums – Do you have a high-stress occupation? Occupational choices like judges, architects and miners tend to have higher rates than the rest of us because of stressful work requirements and long work hours. On the flip side, occupations such as farmers, historians and the unemployed generally pay rates lower than average for LR4 coverage.
  • Always keep your coverage in place – Going without insurance is a fast way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance could earn you a license revocation or jail time.
  • Prevent your car from being stolen – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Teenagers are high risk – Inexperience drivers have been known to get distracted easily when driving and because of this, their insurance coverage rates are much higher. Having to add a inexperienced driver to your insurance coverage policy can cause a big jump in price. Mature drivers are more cautious drivers, are lower risk to insure and tend to be get fewer driving tickets.

How do I know if I need professional advice?

When buying adequate coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • Am I covered when using my vehicle for business?
  • Is rental equipment covered for theft or damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I carry comprehensive and collision coverage?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Is there deception in advertising?

Consumers get pounded daily by advertisements that claim the best prices from the likes of 21st Century, Allstate and State Farm. All the ads tend to make the same promise about savings if you change your insurance coverage policy to them.

How is it plausible that every one can make the same claim? This is how they do it.

Insurance coverage companies have underwriting criteria for the driver that earns them a profit. For example, this type of risk profile could possibly be between 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and will most likely cut their rates if they switch.

Consumers who fall outside these standards will probably have to pay a higher premium which results in business not being written. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save the amount stated. This is how companies can make claims like that.

This really illustrates why you need to do a rate comparison at every renewal. You cannot predict which company will have the best prices for your profile.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability

This coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Land Rover LR4.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, theft, rock chips in glass, vandalism and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like chiropractic care, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a smart shopper

Some insurance providers may not have online price quotes and many times these regional carriers only sell through local independent agencies. Budget-conscious 2013 Land Rover LR4 insurance can be sourced both online and with local insurance agents, so you should compare both in order to have the best chance of saving money.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where drivers have reduced physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Insureds change insurance companies for a variety of reasons including policy non-renewal, delays in paying claims, questionable increases in premium and being labeled a high risk driver. No matter why you want to switch, switching companies can be easier than you think.

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