2013 Land Rover Range Rover Sport Insurance Cost

Do you think you bought an underperforming, overpriced insurance coverage policy? You’re preaching to the choir because you are not the only one feeling buyer’s remorse.

Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. But vehicle owners must know the way companies price insurance differently.

Land Rover Range Rover Sport insurance premium factors

Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are less apparent such as your marital status or your vehicle rating.

Shown below are some of the major factors used by insurance companies to determine your rates.

  • How old are your drivers? – Mature drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.Teenage drivers are known to be more careless when driving with friends therefore car insurance rates are much higher.
  • Men are more aggressive – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women tend to get into accidents in similar numbers, but males have costlier accidents. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Combine policies with the same company – Many companies give lower prices to people that have more than one policy in the form of a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, it’s always a smart idea to get quotes from other companies to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Bad credit will cost you – A driver’s credit score factor in your rate calculation. Therefore, if your credit history leaves room for improvement, you could pay less to insure your 2013 Land Rover Range Rover Sport by improving your rating. Consumers who have excellent credit tend to be more responsible and file fewer claims as compared to drivers with bad credit.
  • Bump up comp and collision deductibles to lower rates – Physical damage protection, aka comp and collision, covers damage that occurs to your Land Rover. Examples of some claims that would be covered would be a windshield shattered by a rock, damage caused by hail, and damage from a fallen tree branch. The deductibles state the amount of money you are required to pay if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the bigger discount you will receive for Range Rover Sport insurance.

Take advantage of every insurance coverage discount

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain credits will be shown when you quote, but lesser-known reductions have to be inquired about before being credited.

  • Early Switch Discount – A few larger companies allow discounts for signing up prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Senior Citizens – Drivers that qualify as senior citizens may qualify for better insurance coverage rates for Range Rover Sport insurance.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks just for signing your application on your computer.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Active Military Service – Having an actively deployed family member could qualify you for better premium rates.
  • New Car Discount – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.

Policy discounts save money, but some credits don’t apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

Companies and a summarized list of policyholder discounts are:

  • State Farm may offer discounts for multiple policy, Drive Safe & Save, multiple autos, driver’s education, good student, accident-free, and good driver.
  • American Family has savings for TimeAway discount, multi-vehicle, Steer into Savings, accident-free, and early bird.
  • GEICO policyholders can earn discounts including driver training, defensive driver, military active duty, multi-policy, and daytime running lights.
  • 21st Century offers discounts including student driver, good student, automatic seat belts, early bird, driver training, teen driver, and defensive driver.
  • Progressive offers discounts for online quote discount, online signing, homeowner, continuous coverage, multi-vehicle, and multi-policy.

Before purchasing a policy, check with each company or agent which discounts you qualify for. Depending on the company, some discounts might not apply in every state.

How to know if you need help

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Is a blown tire covered by insurance?
  • Is my 2013 Land Rover Range Rover Sport covered for flood damage?
  • Do I have newly-aquired coverage?
  • What if I total my 2013 Land Rover Range Rover Sport and owe more than it’s worth?
  • How high should deductibles be on a 2013 Land Rover Range Rover Sport?
  • Does having multiple vehicles earn me a discount?
  • Are rock chip repairs covered?
  • Can I still get insurance after a DUI?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2013 Land Rover Range Rover Sport.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, funeral costs, nursing services and pain medications. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Range Rover Sport from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, rock chips in glass, theft and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, medical services, loss of income, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Buy online or local, you save

Affordable 2013 Land Rover Range Rover Sport insurance is definitely available from both online companies and also from your neighborhood agents, so you need to shop auto insurance with both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these small insurance companies work with independent agents.

You just read many ideas to shop for 2013 Land Rover Range Rover Sport insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers could even find that the best rates are with the least-expected company. These companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.

Additional insurance coverage information is available below: