2013 Land Rover Range Rover Evoque Insurance Quotes – 10 Tips to Save

Searching for lower car insurance rates for your Land Rover Range Rover Evoque? Have you fallen victim to high-priced car insurance? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Many insurers vie for your business, so it can be very hard to choose a insurer to find the absolute lowest cost out there.

It’s important to compare rates quite often because prices change regularly. If you had the lowest rates on Range Rover Evoque coverage a year ago you can probably find a better price now. So forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to properly buy coverages and cut your premium.

How to save on Land Rover Range Rover Evoque insurance

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% on Range Rover Evoque coverage.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Range Rover Evoque coverage than drivers with accident claims.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Range Rover Evoque coverage depending on your company.
  • No Accidents – Claim-free drivers can earn big discounts as compared to bad drivers.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

A partial list of companies that may have these benefits may include but are not limited to:

Double check with every prospective company which discounts they offer. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Should I bundle my homeowners policy with my auto?
  • Is my trailer covered?
  • Does car insurance cover theft of personal property?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when using my vehicle for business?
  • Which is better, split liability limits or combined limits?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings from the likes of Progressive, Allstate and Geico. They all make the same claim of big savings after switching your coverage to them.

How does each company make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the driver they prefer to insure. For example, a preferred risk could be between 30 and 50, is a homeowner, and has a short commute. Any driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for the requirements will have to pay a more expensive rate and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently claim big savings. Because of the profiling, you should get a wide range of price quotes. It’s impossible to know which company will provide you with the cheapest Land Rover Range Rover Evoque insurance rates.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like structural damage, legal defense fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for X-ray expenses, hospital visits, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

In Summary

Cheap 2013 Land Rover Range Rover Evoque insurance can be bought online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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