6 Guaranteed Methods to Lower Land Rover LR4 Insurance Expenses

Are you burned out from wondering where the money will come from to pay high car insurance rates every month? You are in the same boat as many other people. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company to find the lowest price

Comparing car insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You can waste hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

The majority of car insurance companies participate in an industry program that enables customers to send in one quote, and each company can provide price quotes determined by their information. This eliminates the need for quote forms for each company.

To use this form to compare rates click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which companies you want to price. So if you want to select specific insurance companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the same information for each quote you get. If each company quotes higher or lower deductibles it will be very difficult to make a fair comparison for your Land Rover LR4.

Lower rate quotes with these six car insurance discounts

Not many people think insurance is cheap, but there may be some discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but a few need to be specially asked for before being credited. If you don’t get every credit possible, you’re paying more than you need to.

Club Memberships – Affiliation with a professional or civic organization may earn a discount on your next renewal.
Senior Citizen Discount – Older drivers could receive a slight reduction on a for LR4 insurance.
Multiple Policy Discount – If you can combine your home and auto policy with the same company you could earn a discount of over 10 percent off each policy depending on the company.
Save with a New Car – Putting coverage on a new car can save you some money because newer models have to meet stringent safety requirements.
Switch and Save Discount – Some larger companies provide a discount for switching companies prior to your current policy expiring. It can save you around 10%.
Pay Early and Save – By making one initial payment rather than spreading payments over time you could save 5% or more.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and some of their more popular discounts are included below.

GEICO offers premium reductions for five-year accident-free, anti-lock brakes, driver training, multi-policy, daytime running lights, military active duty, and anti-theft.
USAA may offer discounts for family discount, safe driver, annual mileage, multi-vehicle, loyalty savings, and new vehicle.
Progressive has savings for multi-vehicle, good student, homeowner, continuous coverage, online signing, and online quote discount.
American Family may have discounts that include early bird, TimeAway discount, bundled insurance, accident-free, and mySafetyValet.
Esurance discounts include emergency road assistance, paid-in-full, anti-theft, multi-policy, homeowner, DriveSense, and safety device.
Farmers Insurance may include discounts for switch companies, alternative fuel, electronic funds transfer, distant student, early shopping, and multi-car.
State Farm offers discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, good student, and student away at school.

If you need , ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To see car insurance companies that can offer you the previously mentioned discounts, click here to view.

Coverages available on your policy

Having a good grasp of car insurance can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Collision coverage

This covers damage to your LR4 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, crashing into a building, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Land Rover LR4.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses, emergency aid and pain and suffering. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hail damage, fire damage and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for dental work, chiropractic care, X-ray expenses, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Don’t give up on lower rates

Cheap Land Rover LR4 insurance is definitely available from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some car insurance companies do not provide price quotes online and these small insurance companies sell through independent agents.

Throughout this article, we presented many tips how you can compare Land Rover LR4 insurance prices online. The most important thing to understand is the more you , the better chance you’ll have of finding . You may even discover the lowest priced car insurance comes from a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.