2018 Land Rover Range Rover Insurance Rates 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 14, 2024

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Did you come to the realization that you have high-priced auto insurance? It’s quite common and you’re not alone.

Popular companies such as Allstate, Progressive and GEICO all claim big savings with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

Low cost car insurance prices

To find the cheapest auto insurance quotes, there are several ways of comparing price quotes from many car insurance companies in your state. The recommended way to do a complete rate comparison involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient method to get the best comparison quotes is to use a rate comparison form. This form saves time by eliminating multiple quote forms to each individual car insurance company. One simple form will get you rate comparisons from many national carriers.
  2. A less efficient way to find better pricing requires a visit to each company’s website and fill out their own quote form. For instance, we’ll assume you want to compare prices for Liberty Mutual, GEICO and American Family. To get rate quotes you would need to spend time going to each site individually and enter your information, which is why the first method is more popular.
  3. The least recommended way to compare rates is to spend your day driving to insurance agencies in your area. The ability to buy insurance online makes this unnecessary unless you want the trained guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop your insurance online but have a local agent actually write the policy.

However you get your quotes, compare equivalent coverage limits for every quote you compare. If your comparisons have different values for each quote it’s impossible to determine the best price for your Land Rover Range Rover. Quoting even small variations in coverages can result in a big premium difference. Just remember that more quotes will increase your chances of finding a lower rate.

Save $444 a year! What?

State Farm, GEICO and Progressive regularly use ads on TV and radio. They all make the same claim of big savings if you switch to their company. How is it plausible that every one can make the same claim?

Many companies have strict underwriting profiles for a prospective insured that will not have excessive claims. An example of a desirable risk might be described as a female over age 40, has no prior claims, and chooses high deductibles. A customer getting a price quote that matches those criteria will get low auto insurance rates and as a result will probably cut their rates if they switch.

Consumers who cannot meet the ideal profile may be forced to pay higher prices and this results in the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save that much. That’s why companies can claim big savings. Each company has different criteria, so you need to get a wide range of price quotes. You cannot predict which company will be your best fit.

Smart choices result in lower insurance prices

Multiple criteria are taken into consideration when quoting car insurance. Some are obvious like a motor vehicle report, although others are not quite as obvious such as your credit history or your commute time. Part of the auto insurance buying process is learning a few of the rating criteria that go into determining the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Responsible credit equals lower prices – Having a good credit score can be an important factor in determining premium rates. So if your credit is low, you could potentially save money when insuring your 2018 Land Rover Range Rover by repairing your credit. Insureds that have high credit scores tend to be more responsible as compared to drivers with lower credit ratings.
  • Males tend to take more risk – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better at driving than males. They both cause auto accidents in similar percentages, but the men tend to have higher claims. Men also receive more costly citations like DUI and reckless driving.
  • How many coverages with the same company – Most larger auto insurance companies provide better rates to clients who buy several policies from them, otherwise known as a multi-policy discount. The discount can be as much as ten percent or more Even if you already get this discount, consumers should still comparison shop to make sure you are getting the best deal.
  • Auto insurance rates can be impacted by your job – Occupational choices like military generals, architects and stock brokers generally have higher rates than the rest of us in part from stressful work requirements and long work days. Conversely, careers such as farmers, students and homemakers have lower than average premiums for Range Rover insurance.
  • Don’t skimp on liability insurance – Liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to comp and collision, so do not cut corners here.
  • City dwellers may pay more – Having an address in less populated areas of the country has it’s advantages when trying to find low car insurance rates. People in densly populated areas have to deal with more aggressive driving styles and longer commutes to work. Less people living in that area means reduced accidents in addition to lower liability claims

Save money by taking advantage of discounts

Companies offering auto insurance do not advertise every discount very well, so the following is a list of some of the best known as well as some of the hidden credits that you can use to lower your rates.

  • Government Employees – Having worked for a branch of the government could cut as much as 10% off for Range Rover insurance with a few car insurance companies.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Military Rewards – Being deployed with a military unit could qualify you for better rates.
  • No Claims – Claim-free drivers can earn big discounts as opposed to accident-prone drivers.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
  • Discount for Low Mileage – Fewer annual miles on your Land Rover can qualify you for discounted rates on garaged vehicles.

Don’t be surprised that most discount credits are not given to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

  • GEICO offers discounts for military active duty, multi-vehicle, daytime running lights, multi-policy, and anti-lock brakes.
  • MetLife includes discounts for defensive driver, multi-policy, claim-free, good driver, good student, accident-free
  • State Farm may include discounts for safe vehicle, multiple autos, Drive Safe & Save, anti-theft, good driver, multiple policy, and defensive driving training.
  • Progressive offers premium reductions for continuous coverage, good student, online quote discount, multi-policy, and homeowner.
  • Mercury Insurance may have discounts that include good student, professional/association, age of vehicle, multi-car, annual mileage, and multi-policy.
  • 21st Century policyholders can earn discounts including air bags, student driver, good student, teen driver, defensive driver, and early bird.
  • Allstate has savings for farm vehicle, anti-theft, EZ pay plan discount, 55 and retired, multi-policy, and premier discount.

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Some discounts listed above might not be offered everywhere. To locate car insurance companies with the best car insurance discounts, enter your zip code here.

How much auto insurance do I need?

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether you would benefit from professional advice.

  • What discounts do I qualify for?
  • If my pet gets injured in an accident are they covered?
  • At what point should I drop full coverage?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my car?
  • Should I have a commercial auto policy?
  • Does my policy cover my teen driver if they drive my company car?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out your zip code.

Car insurance specifics

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Coverage for liability – This can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like pain and suffering, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Collision coverage – This coverage covers damage to your Range Rover caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Land Rover Range Rover.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as hospital visits, ambulance fees, nursing services and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, falling objects and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In Summary

Some insurance providers do not provide the ability to get quotes online smaller providers only sell coverage through independent agencies. Discount 2018 Land Rover Range Rover insurance can be sourced on the web as well as from insurance agents, and you should compare rates from both to have the best selection.

We’ve covered a lot of information how to get a better price on 2018 Land Rover Range Rover insurance. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from a small local company. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

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