Lower Your 1996 Land Rover Range Rover Insurance Quotes

Want the cheapest insurance coverage rates for your Land Rover Range Rover? Sick and tired of robbing Peter to pay Paul to insure your Land Rover every month? Your situation is no different than most other car owners. Popular companies such as Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Factors that might impact rates for a Land Rover Range Rover

Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. Knowing what controls the rates you pay enables informed choices that will entitle you to better insurance coverage rates.

The list below includes a few of the “ingredients” insurance coverage companies consider when setting prices.

  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • High deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Land Rover from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend before your insurance coverage pays a claim. The more the insured has to pay upfront, the lower your rates will be for Range Rover coverage.
  • Liability coverage protects you – Liability insurance provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Your occupation can affect rates – Occupations such as lawyers, executives and dentists are shown to have the highest average rates because of job stress and long work hours. Other jobs such as pilots, historians and the unemployed pay the least for Range Rover coverage.
  • More people means more accidents – Living in a rural area can be a good thing when buying insurance coverage. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances can result in more accidents.
  • Rate your vehicle for proper use – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy is rated on the correct driver usage. Incorrect usage on your Range Rover may be costing you.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. If your credit rating is low, you could be paying less to insure your 1996 Land Rover Range Rover by improving your credit score.

Discounts can save BIG

Car insurance is not cheap, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few must be requested specifically in order for you to get them. If you don’t get every credit possible, you’re paying more than you need to.

  • E-sign – A few companies give back up to $50 just for signing your application over the internet.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Senior Discount – Mature drivers may receive better auto insurance rates for Range Rover coverage.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down your premiums.

To see a list of providers with discount auto insurance rates, click this link.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when driving a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • Is my dog or cat covered if injured in an accident?
  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Liability insurance – This coverage protects you from damage that occurs to other people or property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, structural damage, repair costs for stationary objects, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision coverage covers damage to your Range Rover resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive car insurance – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, theft, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like funeral costs, ambulance fees, dental work, EMT expenses and surgery. They are utilized in addition to your 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 in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

We just presented a lot of ways to save on 1996 Land Rover Range Rover insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Cost effective insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

More detailed auto insurance information can be read at these sites: