View 1996 Land Rover Range Rover Insurance Rates

Finding better insurance prices for your Land Rover Range Rover can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a new or used Land Rover and find the best price possible from both online companies and local agents.

It’s important to do rate comparisons at least once a year since insurance rates are usually higher with each renewal. Just because you had the lowest rates on Range Rover coverage a year ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you a lot of great tips on how to slash your auto insurance rates.

Compare Insurance Coverage Today

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way. You could spend your day discussing policy coverages with insurance companies in your area, or you can utilize the web to get the quickest rates.

All the larger companies enroll in a system that allows shoppers to complete one form, and every company then gives them pricing based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you can save on insurance coverage click to open in new window.

The only drawback to doing it this way is you can’t choose which carriers to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare identical information on every quote. If you enter higher or lower deductibles it will be very difficult to make a fair comparison for your Land Rover Range Rover.

Why you might be paying too much to insure your Land Rover Range Rover

Smart consumers have a good feel for some of the elements that help determine your auto insurance rates. Knowing what determines base rates allows you to make educated decisions that could result in better auto insurance rates.

  • Small claims can cost you – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies award lower rates to drivers who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Poor driving leads to higher costs – Drivers with clean records get better rates compared to drivers with tickets. Even a single moving violation may increase your cost twenty percent or more. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Better credit scores mean better rates – Having a bad credit rating is a large factor in determining what you pay for auto insurance. People with good credit tend to be more responsible than those with poor credit. If your credit history can use some improvement, you could save money insuring your 1996 Land Rover Range Rover by improving your rating.
  • Older drivers save more – Older insureds are more responsible, file fewer claims and are safer drivers. Teen drivers tend to be more careless when behind the wheel therefore auto insurance rates are much higher.

How to reduce 1996 Land Rover Range Rover insurance rates

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specially asked for before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.

  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on Range Rover coverage than less cautious drivers.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Resident Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.

Keep in mind that most credits do not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

Insurance companies who might offer these discounts may include but are not limited to:

Check with each company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Tailor your coverage to you

When choosing coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can my babysitter drive my car?
  • What are the best liability limits?
  • Should I have combined single limit or split liability limits?
  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need more liability coverage?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your Range Rover resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, backing into a parked car, crashing into a building, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, chiropractic care, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from flooding, damage from getting keyed and hail damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Saving money is sweet as honey

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced full coverage and discovered at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Consumers switch companies for any number of reasons including poor customer service, policy non-renewal, denial of a claim or even delays in responding to claim requests. No matter why you want to switch, finding a new insurance coverage company is less work than it seems.

Affordable 1996 Land Rover Range Rover insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.

More tips and info about insurance coverage can be read at these sites: