Compare 2008 Land Rover Range Rover Insurance Quotes

Looking for lower auto insurance rates for your Land Rover Range Rover? Are you a victim of high-priced auto insurance? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Because there are so many different company options, it is very difficult to pick the right car insurance company.

These discounts can slash auto insurance rates

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Range Rover coverage with select insurance companies.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.

It’s important to understand that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Car insurance companies that may offer these benefits include:

Check with all companies you are considering how you can save money. Some discounts may not apply in your state.

Low Cost Auto Insurance

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Many popular insurance companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company can provide price quotes for coverage. This saves time by eliminating quote requests to every company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose the providers to get quotes from. If you wish to select individual companies for rate comparison, we have a listing of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use the exact same coverages with each company. If the quotes have higher or lower deductibles it’s not possible to make a fair comparison for your Land Rover Range Rover.

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether or not you could use an agent’s help.

  • Do I need roadside assistance coverage?
  • What discounts do I qualify for?
  • What can I do if my company won’t pay a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is business property covered if stolen from my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover a custom paint job?
  • Is my trailer covered?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Auto liability

This coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has 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 values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like court costs, loss of income, structural damage and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists 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.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like pain medications, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Range Rover from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Buy online or local, you save

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just covered many ways to compare 2008 Land Rover Range Rover insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the best prices are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or Geico.

Helpful information