Cheap 2016 Land Rover Range Rover Sport Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Are you a victim of an expensive car insurance policy? It’s quite common and you’re not the only one.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate

The cheapest auto insurance quotes

To find cheaper quotes, there are a couple of ways to compare quotes from many available auto insurance companies in your state. The simplest method to comparison shop is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes is a comparison rater form. This easy form eliminates the need for repetitive form submissions for each company you want a rate for. One quote request will return quotes from several companies.
  2. A more difficult way to analyze rates consists of going to the website of each company and fill out a new quote form. For instance, we’ll pretend you want to compare prices for Auto-Owners, Safeco and Liberty Mutual. You would need to go to each individual site to input your insurance information, which can be really labor intensive.
  3. The final method to shop rates is physically going to and from local insurance agencies. Shopping for auto insurance online eliminates this option unless you have a complicated situation and need the professional assistance of an agent trained in personal lines coverage. If you prefer, some companies allow you to find lower rates online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just make sure you use exactly the same coverage data for each comparison quote. If you enter higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in limits can make a big difference in price. And when comparison shopping, comparing a wide range of rates will enable you to find lower pricing.

Lower-cost auto insurance quotes with discounts

Some companies don’t necessarily list every possible discount in an easy-to-find place, so the following is a list of a few of the more common as well as some of the hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Paperwork-free – Certain insurance companies will provide an incentive just for signing your application over the internet.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% and get you inexpensive auto insurance.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully take a drivers education course as it can save substantially.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Memberships – Joining certain professional organizations is a simple method to lower premiums on your bill.
  • Claim Free – Insureds with no claims or accidents get the best auto insurance rates in comparison with insureds who have frequent claims or accidents.
  • Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Range Rover Sport coverage depending on your auto insurance provider.
  • Accident Forgiveness Coverage – Not a discount per se, but some companies like GEICO and Allstate may permit one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.

It’s important to note that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Even though it appears you can get free auto insurance, you’re out of luck. Any qualifying discounts should help lower the cost of coverage.

A list of companies and a selection of discounts are outlined below.

  • 21st Century policyholders can earn discounts including driver training, teen driver, defensive driver, 55 and older, and theft prevention.
  • Progressive includes discounts for online quote discount, online signing, good student, continuous coverage, and homeowner.
  • State Farm offers premium reductions for good student, driver’s education, good driver, safe vehicle, passive restraint, and multiple policy.
  • Nationwide offers discounts for business or organization, defensive driving, Farm Bureau membership, multi-policy, family plan, and good student.
  • Esurance may have discounts that include claim free, emergency road assistance, Pac-12 alumni, Switch & Save, homeowner, and online quote.
  • The Hartford may include discounts for vehicle fuel type, air bag, good student, driver training, bundle, and defensive driver.

Check with all companies you are considering how you can save money. Some of the earlier mentioned discounts may not be offered in your area. To see insurers that provide some of the discounts listed above, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining if you may require specific advice.

  • Am I covered if my car is in a flood?
  • Do I benefit by insuring my home with the same company?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • Does my car insurance cover rental cars?
  • Am I covered when using my vehicle for business?
  • When would I need rental car insurance?
  • Is Motor Club coverage worth it?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

How to lower your insurance prices

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get much lower annual insurance costs. Many things are part of the equation when you get a price on insurance. Some factors are common sense like your driving record, although others are not as apparent such as your credit history or how financially stable you are.

  • Do safer cars cost less to insure? – Safe vehicles are cheaper to insure. Safer cars result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If your Land Rover scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Does insurance coverage cost more for guys? – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Females and males are responsible for fender benders in similar numbers, but males have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like DUI and reckless driving.
  • Car insurance rates and your vocation – Jobs such as doctors, airline pilots and stock brokers have higher average rates due to high stress levels and lengthy work days. Other jobs such as farmers, historians and the unemployed pay lower than average rates on Range Rover Sport coverage.
  • If you don’t need it don’t buy it – There are a ton of extra add-on coverages that may not really be needed if you don’t pay attention. Coverage for things like roadside assistance, towing coverage, and extra equipment coverage are some examples. You may think they are a good idea when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
  • Stay claim-free and reduce prices – Car insurance companies generally give the best rates to people who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Coverage deductibles are a factor – Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Land Rover. Examples of some claims that would be covered are a broken windshield, damage caused by hail, and windstorm damage. The deductibles define the amount you are willing to pay if a covered claim is submitted. The more you pay before a claim is paid (deductible), the bigger discount you will receive on Range Rover Sport coverage.

The coverage is in the details

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Collision coverages – This will pay to fix damage to your Range Rover Sport caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, hitting a mailbox, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills such as rehabilitation expenses, ambulance fees, pain medications, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Land Rover Range Rover Sport.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like medical services, structural damage, bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, falling objects and damage from getting keyed. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage on a shoestring budget

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your objective should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

We just covered some good ideas how you can save on 2016 Land Rover Range Rover Sport insurance. The key thing to remember is the more you quote auto insurance, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from the least-expected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

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