Cheaper 2016 Land Rover LR4 Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 1, 2024

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Looking for lower car insurance rates for your Land Rover LR4? When looking for more affordable insurance, are you intimidated by the number of car insurance sources in your area? Many other drivers are too. There are such a large number of options that it can easily turn into more work than you anticipated to lower your prices.

Get cheaper auto insurance with discounts

Companies offering auto insurance don’t list the complete list of policy discounts very clearly, so the following list contains a few of the more well known as well as the least known discounts you could be receiving when you buy insurance online.

  • Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on LR4 coverage with certain companies.
  • Memberships – Participating in specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Include Life Insurance and Save – Auto insurance companies who offer life insurance give better prices if you take out life insurance from them.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
  • E-sign – Some companies will give a small break for buying a policy and signing up on your computer.
  • Renewal Discounts – Select insurance companies give a discount for switching policies early. You could save around 10% when you buy insurance online.
  • College Student – Kids who live away from home to go to college without a vehicle on campus could get you a discount.

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

The best auto insurance companies and the discounts they provide are:

  • GEICO offers discounts including federal employee, good student, emergency military deployment, air bags, daytime running lights, multi-vehicle, and multi-policy.
  • Travelers offers discounts for new car, continuous insurance, student away at school, payment discounts, early quote, and multi-policy.
  • Nationwide offers premium reductions for multi-policy, accident-free, Farm Bureau membership, good student, anti-theft, business or organization, and defensive driving.
  • Farmers Insurance has savings for pay in full, homeowner, alternative fuel, multi-car, mature driver, electronic funds transfer, and bundle discounts.
  • Esurance discounts include good driver, paid-in-full, defensive driver, safety device, and multi-car.
  • State Farm includes discounts for passive restraint, good student, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, and anti-theft.
  • Progressive may include discounts for online quote discount, online signing, multi-policy, continuous coverage, good student, multi-vehicle, and homeowner.
  • Mercury Insurance has discounts for annual mileage, multi-policy, type of vehicle, multi-car, and low natural disaster claims.

Double check with each company or agent which discounts can lower your rates. Some credits might not be offered in every state. If you would like to see a list of providers that provide some of the discounts listed above, enter your zip code here.

Components of your Land Rover LR4 insurance costs

Multiple criteria are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are more obscure like where you live or how safe your car is.

The itemized list below are some of the most rate-impacting factors that factor into rates.

  • Adjust deductibles and save – The deductibles tell how much you are willing to pay if a claim is determined to be covered. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, hail damage, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive on LR4 coverage.
  • Incidental coverages can waste money – There are many extra bells and whistles that you can get tricked into buying on your insurance coverage policy. Insurance for things like vanishing deductibles, accident forgiveness, and extra life insurance coverage may be wasting your money. They may sound like good ideas initially, but your money might be better spent on other coverage so remove them from your policy.
  • Does insurance cost less for gals? – Statistics have proven that females take fewer risks when driving. It does not mean females are better at driving than males. Males and females get in accidents in similar percentages, but the male of the species cause more damage. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • Prevent insurance coverage lapses – Having an insurance coverage lapse is a sure-fire way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Cut prices and deter theft – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Be proud to be claim-free – If you file claims often, you can look forward to higher rates. Auto insurance companies award discounts to insureds who are claim-free. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Multiple policies with one company – The majority of insurance companies will award lower prices for people that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare other company rates to guarantee you are still saving the most.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Is my Land Rover LR4 covered if I use it for business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is the difference between comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • When can my company non-renew my policy?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code.

Advertising myths

Companies like State Farm and Allstate seem to constantly run television and radio advertisements. All the ads advertise the message that people will save just by switching to them. Is it even possible that every company can claim to save you money? This is how they do it.

Many companies can use profiling for the type of customer that earns them the most money. For instance, a desirable risk might have to be between the ages of 30 and 45, has a clean driving record, and drives a safe vehicle. A customer getting a price quote that fits those parameters may get the lowest auto insurance rates and will probably save a lot of money.

Insureds who are not a match for those criteria will probably have to pay higher prices and ends up with the customer buying from a different company. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the savings. Different companies use different criteria so you really need to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will have better rates than you’re paying now.

Coverages available on your policy

Having a good grasp of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your LR4 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills like surgery, funeral costs, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage


This coverage can cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability can pay for things such as medical expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, hitting a bird and rock chips in glass. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Affordable insurance is out there

Consumers switch companies for any number of reasons including questionable increases in premium, being labeled a high risk driver, denial of a claim and even delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

Cost effective 2016 Land Rover LR4 insurance can be purchased online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get quotes online and many times these smaller companies only sell through independent agents.

We just showed you many tips how you can compare 2016 Land Rover LR4 insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.

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