Save on 1998 Land Rover Range Rover Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for cheaper insurance rates for your Land Rover Range Rover? No one in their right mind cherishes buying insurance, especially knowing the price is too high. Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every company to discover the definitive lowest cost out there.

The best way we recommend to get policy rate comparisons is to know the trick all the major auto insurance companies actually pay money for the chance to give free rates quotes. To get started, all you need to do is provide details such as if it has an anti-theft system, daily mileage, driver details, and if you went to college. Your rating data gets sent immediately to insurance carriers in your area and they respond with quotes within a short period of time.

Cut your insurance rates with discounts

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specifically requested before you will receive the discount. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Sign Online – Certain companies may give you up to $50 for buying your policy online.
  • Clubs and Organizations – Participating in certain professional organizations may earn a discount on insurance for Range Rover coverage.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

Keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce 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. Any amount of discount will bring down your overall premium however.

Insurance companies that may have these money-saving discounts are:

Check with all companies you are considering how you can save money. Discounts may not be available in every state.

You are unique and your insurance should be too

When buying the right insurance coverage, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • Is my teenager covered with friends in the car?
  • Does my 1998 Land Rover Range Rover qualify for pleasure use?
  • Am I covered if I hit a deer?
  • Are rental cars covered under my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I really need UM/UIM coverage?
  • What is no-fault insurance?
  • Do I need replacement cost coverage on my 1998 Land Rover Range Rover?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Land Rover Range Rover.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – Collision coverage covers damage to your Range Rover resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability insurance – This will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not 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. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like attorney fees, bail bonds, medical expenses and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills such as nursing services, X-ray expenses, hospital visits, pain medications and dental work. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

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