Cheap 2012 Land Rover LR4 Car Insurance Cost

Want the cheapest insurance coverage rates for your Land Rover LR4? Comparison shopping for insurance coverage is difficult for people who are new to buying insurance online. You have so many options that it can turn into a challenge to compare prices.

If you have car insurance now, you will be able to lower your premiums substantially using these methods. The purpose of this article is to tell you how to get online quotes and some tips to save money. But consumers should learn how the larger insurance companies determine prices and use this information to your advantage.

Why your Land Rover LR4 might be costing you more

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower car insurance prices.

The list below includes some of the factors used by your company to calculate your rates.

  • Younger drivers pay higher rates – Young drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.
  • How many coverages with the same company – The majority of car insurance companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
  • A clean driving record saves money – Even a single citation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like lawyers, executives and dentists have the highest average rates attributed to high stress levels and lots of time spent at work. Other occupations such as scientists, historians and performers get better rates on LR4 insurance.
  • Marriage brings a discount – Being married can get you a discount on your policy. It usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • More miles equals more premium – The higher the mileage driven each year the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your LR4 can result in significantly higher rates.
  • Increase deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Land Rover from damage. Examples of covered claims could be running into the backend of another car, vandalism, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more you’re willing to pay, the bigger discount you will receive on LR4 insurance.

Fast and Easy Insurance Quotes

There are multiple methods to compare 2012 Land Rover LR4 insurance prices but some are less labor-intensive and much quicker. You could waste a few hours talking to insurance companies in your area, or you can utilize the internet to maximize your effort.

Many companies participate in an industry program where prospective buyers enter their coverage request one time, and every company then returns a price quote based on that information. This prevents consumers from doing quotation requests to each individual insurance company.

To find out what other companies charge for 2012 Land Rover LR4 insurance click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose the insurers you want to price. So if you prefer to pick specific insurance companies to compare, we have assembled a list of insurance companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverages and limits with each company. If you are comparing different deductibles you can’t possibly make an equal comparison. Just a small difference in coverage limits may cause a big price difference. Keep in mind that quoting more helps you find a better price.

Don’t miss these discounts

Car insurance is not cheap, but companies offer discounts to help offset the cost. Some trigger automatically when you complete an application, but a few must be asked for prior to getting the savings.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Paperwork-free – Certain companies will give a small break just for signing your application over the internet.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on LR4 insurance with certain companies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • College Student – Kids in college who live away from home and don’t have a car may be able to be covered for less.

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

Insurance companies that may offer these benefits are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

When might I need help?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Should I buy full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage if my license is suspended?
  • Am I missing any policy discounts?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, doctor visits, funeral costs, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay


Liability insurance will cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of 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 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, loss of income, bail bonds, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, a broken windshield, theft and vandalism. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your LR4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Land Rover LR4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be Smart and Buy Smart

In this article, we covered some good ideas how you can compare 2012 Land Rover LR4 insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with an unexpected company.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers and not issuing a premium refund. No matter why you want to switch, switching companies is easier than you think.

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