Lower Your 2013 Land Rover Range Rover Sport Insurance Cost

Searching for the cheapest insurance coverage rates for your Land Rover Range Rover Sport? Comparison shopping for insurance coverage can seem to be a challenge for beginners to buying insurance online. Consumers have so many options that it can easily become a real challenge to compare prices.

If you are paying for car insurance now, you will be able to save some money using these techniques. This information will teach you the most effective way to quote insurance and some money-saving tips. Nevertheless, car owners do need to learn how the larger insurance companies sell online.

Why your Land Rover Range Rover Sport insurance rates may be high

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Shown below are some of the factors companies use to determine rates.

  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
  • How credit affects auto insurance rates – Having a bad credit score is a big factor in determining what you pay for auto insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings. Therefore, if your credit score is low, you could be paying less to insure your 2013 Land Rover Range Rover Sport by spending a little time repairing your credit.
  • Pay less after the wedding – Getting married can actually save you money on your policy. It translates into being more mature and it’s proven that married drivers get in fewer accidents.
  • Do you have enough liability coverage? – Liability insurance is the protection if a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • No coverage gaps is important – Having an insurance coverage lapse will be a sure-fire way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a license revocation or jail time.
  • How many coverages with the same company – Some insurers will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by buying auto insurance from a different company.
  • Extra coverages can waste money – There are many add-on coverages you can purchase on your 2013 Range Rover Sport policy. Coverages like rental car reimbursement, better glass coverage and additional equipment coverage may be costing you every month. They may seem good at first, but now you might not need them so get rid of them and save.

How to Compare Insurance Costs

There are a lot of ways you can shop for insurance but some are less time-consuming than others. You could spend your day driving to local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that enables customers to submit one quote, and each company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to each individual insurance company.

To compare pricing click here to open in new window.

The one downside to doing it this way is you don’t know exactly which providers you want pricing from. If you would rather choose from a list of companies for rate comparison, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using the exact same coverages and limits for every company. If you are comparing differing limits then you won’t be able to decipher which rate is best. Just a small difference in coverages can make a big difference in price. Just remember that having more price comparisons will increase your chances of finding the best offered rates.

Best discounts on 2013 Land Rover Range Rover Sport coverage

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be manually applied before you will receive the discount.

  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy online.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Club Memberships – Belonging to a civic or occupational organization could trigger savings on insurance for Range Rover Sport insurance.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Land Rover could qualify for lower rates on the low mileage vehicles.
  • Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will cut your overall premium however.

Car insurance companies that may have these benefits include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • When can my company non-renew my policy?
  • Do I need rental car coverage?
  • What if I total my 2013 Land Rover Range Rover Sport and owe more than it’s worth?
  • Is a blown tire covered by insurance?
  • How can I find cheaper teen driver insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I still get insurance after a DUI?
  • Do I benefit by insuring my home with the same company?
  • Do I need higher collision deductibles?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, medical services, attorney fees and bail bonds. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage – This pays for damage to your Range Rover Sport from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, driving through your garage door, hitting a parking meter, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, funeral costs, nursing services and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Land Rover Range Rover Sport.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Cheaper insurance is a realistic goal

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price while still protecting your assets.

People leave their current company for any number of reasons including denial of a claim, policy non-renewal, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

We just showed you many ways to compare 2013 Land Rover Range Rover Sport insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Much more information about insurance is available below: