How Much Does 2014 Land Rover Range Rover Sport Car Insurance Cost?

Want the cheapest car insurance rates for your Land Rover Range Rover Sport? Are you burned out from scraping nickels together to pay your car insurance bill each month? You are no different than most other drivers. There is such a variety of insurance companies to pick from, and although it’s a good thing to have a selection, having more insurers makes it harder to compare company pricing.

Pricing more affordable car insurance can be fairly easy. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Consumers only need an understanding of how to compare prices over the internet.

How to buy car insurance online

Comparing car insurance rates can be a lot of work if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Many of the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and each company provides a quote for coverage. This eliminates the need for form submissions for every car insurance company.

To get comparison pricing now click to open in new window.

The only drawback to pricing coverage this way is you cannot specify the insurers to get quotes from. So if you prefer to choose specific providers to receive pricing from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to keep identical coverage information for each comparison quote. If you have unequal deductibles or liability limits you can’t possibly determine which company has the best rates.

Can you really save that much by switching?

Drivers can’t get away from ads that promise big savings for switching by companies like State Farm, GEICO and Progressive. All the ads advertise claims about how much you will save just by switching your auto insurance policy to them.

How does every company cost less than your current company? It’s all in the numbers.

All the different companies give the cheapest rates for the type of driver that will add to their bottom line. For instance, this type of driver should be over age 30, has a low-risk occupation, and drives a car with an anti-theft system. Any new insured that hits that “sweet spot” will get low rates and will also save a lot of money.

Consumers who do not fit those criteria may be required to pay a more expensive rate and business going elsewhere. The wording the ads use say “customers who switch” not “everybody who quotes” save money. This is how companies can state the savings.

This really illustrates why it is so important to get insurance coverage quotes from several different companies. It’s impossible to know with any certainty which company will provide you with the cheapest rates.

How you can control Land Rover Range Rover Sport insurance costs

Consumers need to have an understanding of some of the things that go into determining the level of your policy premiums. If you know what influences your rates, this enables informed choices that can help you get better insurance rates. Lots of factors are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving history, but others are less apparent such as whether you are married or your financial responsibility.

Shown below are just a few of the factors insurance companies consider when setting rates.

  • Higher rates for specific occupations – Did you know your occupation can influence how much you pay for insurance? Careers like fire fighters, business owners and emergency personnel tend to pay the highest average rates because of intense work-related stress and long work days. On the other hand, jobs like farmers, engineers and retirees have lower than average premiums on Range Rover Sport coverage.
  • Bundle policies to earn discounts – Most major insurance companies provide a discount to buyers that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to check prices from other companies to verify if the discount is saving money.There is a good possibility that you can find better rates by buying insurance from more than one company.
  • Liability protection limits on your policy – Liability coverage is the coverage that protects you in the event that you are determined to be liable for causing personal injury or damage in an accident. It will provide you with a defense in court to defend your case. Liability is cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Vehicle features that cut premiums – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
  • You might want pay the inexpensive insurance claims yourself – If you are a frequent claim filer, don’t be surprised to see either policy cancellation or increased premiums. Insurance companies award better rates to people who file claims infrequently. Your insurance policy is meant to be used in the event of more catestrophic claims.
  • Prevent policy lapses – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you fines and jail time.

Take advantage of every insurance discount

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be inquired about prior to getting the savings.

  • Discounts for Government Workers – Active or former government employment can save as much as 8% on Range Rover Sport coverage with select insurance companies.
  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Accident-Free Discounts – Drivers who stay claim-free can save substantially when compared with drivers with a long claim history.
  • Home Ownership Discount – Owning your own home or condo can help you save on insurance since owning and maintaining a home shows financial diligence.
  • Student Discounts – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on a single policy could earn a price break for each car.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance rates on Range Rover Sport coverage.
  • New Car Discount – Buying insurance coverage on a new vehicle can be considerably cheaper due to better safety requirements for new model year vehicles.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

Popular insurance companies and a partial list of their discounts are shown below.

  • GEICO has savings for membership and employees, emergency military deployment, multi-policy, daytime running lights, anti-lock brakes, air bags, and multi-vehicle.
  • Auto-Owners Insurance offers premium reductions for safe driver, multiple vehicles, safe vehicle, paperless, and paid in full.
  • American Family offers discounts for defensive driver, bundled insurance, Steer into Savings, good student, multi-vehicle, good driver, and mySafetyValet.
  • Esurance offers discounts including good driver, online shopper, Switch & Save, safety device, and claim free.
  • Progressive discounts include multi-vehicle, multi-policy, homeowner, online signing, continuous coverage, and good student.
  • State Farm may include discounts for Drive Safe & Save, passive restraint, student away at school, multiple autos, and multiple policy.
  • AAA has discounts for pay-in-full, multi-policy, multi-car, education and occupation, anti-theft, and AAA membership discount.

Before you buy a policy, ask each insurance company how you can save money. Some credits may not be offered in your area. To find insurance companies who offer insurance discounts, follow this link.

How to know if you need help

When choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • Do I need motorclub coverage?
  • Do I really need UM/UIM coverage?
  • Are my friends covered when driving my car?
  • Does coverage extend to Mexico or Canada?
  • When would I need rental car insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Specific coverages for a 2014 Land Rover Range Rover Sport

Having a good grasp of a car 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. Shown next are typical coverages offered by car insurance companies.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, loss of income, structural damage, medical services and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Range Rover Sport from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Land Rover Range Rover Sport.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for EMT expenses, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, fire damage, hitting a deer and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Have money to burn

We just showed you many ideas to get a better price on 2014 Land Rover Range Rover Sport insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on insurance is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

More affordable insurance is definitely available on the web and also from your neighborhood agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some insurance companies may not have online price quotes and usually these smaller providers prefer to sell through local independent agencies.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

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