How Much Does 2006 Land Rover Range Rover Car Insurance Cost?

Drivers have options when trying to find the lowest priced Land Rover Range Rover insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the quickest way to compare rates on a Land Rover and get the cheapest rates.

The quickest method we recommend to compare rates is to know almost all companies actually pay money for the chance to compare rate quotes. The only thing you need to do is take a few minutes to give details including if you require a SR-22, marital status, your job, and driver details. The data is automatically sent to many of the top insurers and you receive quotes almost instantly.

To compare multiple company rates now, click here and find out if lower rates are available.

How to save on 2006 Land Rover Range Rover insurance

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few need to be asked about in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Range Rover insurance with a few insurance coverage companies.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% for Range Rover insurance.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home shows financial diligence.
  • Service Members Pay Less – Having a deployed family member can result in better rates.

Keep in mind that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

For a list of insurance companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • What is PIP insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I buy a commercial auto policy?
  • How do I insure my teen driver?
  • Am I covered when driving a rental car?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages – This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, medical services, attorney fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Land Rover Range Rover.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for things like doctor visits, prosthetic devices, dental work, nursing services and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – This covers damage to your Range Rover caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Saving money makes a lot of cents

Drivers switch companies for a variety of reasons including high rates after DUI convictions, poor customer service, being labeled a high risk driver or policy non-renewal. No matter why you want to switch, switching companies is less work than it seems.

You just learned quite a bit of information on how to lower your 2006 Land Rover Range Rover insurance rates. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest rates come from an unexpected company.

Budget-conscious insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

For more information, take a look at the resources below: