2016 Land Rover Range Rover Evoque Insurance Quotes in 2024 – 5 Discounts for Best Rates

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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 19, 2024

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If you are new to online price comparisons, chances are good that you are overwhelmed by the diversity of local and online companies all offering big savings.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Pricing affordable auto insurance is easy if you know what you’re doing. Although drivers should learn how the larger insurance companies price online insurance and take advantage of how the system works.

How to buy insurance coverage online

Comparing insurance coverage rates can take hours if you don’t know the best way to get rate quotes. You can waste a lot of time driving to local insurance agents in your area, or you could save time and use the internet for quick rates.

Many popular insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote. This eliminates the need for quotation requests to each individual insurance coverage company.

To submit your quote information now, enter your zip code here.

The only downside to doing it this way is you cannot specify which companies you want to price. If you would rather choose individual companies to compare, we have assembled a list of companies who write insurance coverage in your area. Click to enter zip code.

Whichever method you choose, ensure you’re using the exact same quote information on every quote. If your comparisons have different values for each quote it’s impossible to find the best deal for your Land Rover Range Rover Evoque. Having just a slight variation in insurance coverages could skew the results. And when comparison shopping, having more price comparisons provides better odds of finding a lower rate. Some regional insurers cannot provide prices over the internet, so you should also compare quotes from them, too.

Do you qualify for discount car insurance?

Car insurance is not inexpensive, but there could be available discounts that you may not know about. Some discounts apply automatically when you get a quote, but a few need to be specifically requested prior to getting the savings. If you do not check that you are getting every discount available, you may be paying too high a price.

  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more on medical payment and PIP coverage.
  • Drive Less and Save – Low mileage vehicles may allow you to get slightly better car insurance rates than normal.
  • Passenger Safety Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars with the same car insurance company can reduce rates for all insured vehicles.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.

As a sidenote, some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

To view insurers that offer discounts, enter your zip code here.

What insurance coverages do I need?

When it comes to buying the best insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?
  • What is an SR-22 filing?
  • Can I still get insurance after a DUI?
  • Why is insurance for a teen driver so high?
  • What can I do if my company won’t pay a claim?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Insurance coverage considerations

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, crashing into a building, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Land Rover Range Rover Evoque.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage pays for 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 things such as a tree branch falling on your vehicle, damage from getting keyed and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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