Cheap 2017 Land Rover Range Rover Sport Car Insurance Rates

Are you at wits end from scraping nickels together to pay insurance each month? Your situation is no different than most other consumers.

Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute cheapest price

How to buy insurance online

Performing a rate comparison can be exhausting if you aren’t aware of the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many of the larger companies enroll in a system where prospective buyers enter their coverage request one time, and each company can give them a price based on that information. This saves time by eliminating quotation requests for every insurance company.

To compare pricing click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify the providers to get quotes from. If you would rather choose from a list of companies to compare prices, we have a page of low cost insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use nearly identical coverages and limits for every company. If the quotes have different deductibles it’s impossible to get a fair rate comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding more affordable rates. Not every company provides price estimates online, so it’s recommended that you also compare price quotes from them, too.

Get lower-cost insurance with discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts very clearly, so the list below details both the well known and also the more inconspicuous discounts you could be receiving when you buy insurance online.

Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on Range Rover Sport insurance depending on your insurance provider.
Multi-Vehicle Discounts – Buying coverage for more than one vehicle with one company can get a discount on all vehicles.
Lower Rates for Military – Being deployed with a military unit could mean lower insurance rates.
College Student – Kids who live away from home to go to college and don’t have a car may be able to be covered for less.
Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

Companies and a selection of discounts are outlined below.

Geico policyholders can earn discounts including military active duty, good student, driver training, seat belt use, and membership and employees.
MetLife offers premium reductions for defensive driver, good student, claim-free, accident-free, good driver, and multi-policy.
Progressive offers discounts for multi-policy, online quote discount, good student, multi-vehicle, and online signing.
Travelers may include discounts for IntelliDrive, multi-car, continuous insurance, student away at school, driver training, and save driver.
SAFECO may offer discounts for homeowner, safe driver, accident prevention training, teen safe driver, and anti-theft.
AAA discounts include anti-theft, education and occupation, pay-in-full, good driver, and AAA membership discount.

If you need lower rates, check with each insurance company which discounts they offer. Some discounts may not apply to policies everywhere. If you would like to see a list of insurance companies with discount insurance rates, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether or not you could use an agent’s help.

Am I getting all the discounts available?
Do I have coverage if my license is suspended?
Should I buy full coverage?
Where can I get insurance after a DUI in my state?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered if I hit my neighbor’s mailbox?
Will my vehicle be repaired with OEM or aftermarket parts?
Is my trailer covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like legal defense fees, attorney fees, structural damage, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” 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 Sport.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer, damage from a tornado or hurricane and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, dental work, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your Range Rover Sport resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.