2020 Land Rover Range Rover Sport Insurance Rates in 2024 – 5 Policy Discounts

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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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Having to pay for pricey Land Rover Range Rover Sport insurance can diminish your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to make ends meet.

Due to the abundance of companies and agents to choose from, it can be challenging to find the lowest cost insurer.

It’s a great practice to get comparison quotes at least once a year because insurance prices change quite often. Even if you got the lowest quotes for Range Rover Sport insurance a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to lower your rates without sacrificing coverage.

Insurance quotes comparison

When shopping for inexpensive car insurance quotes, there are a couple of ways to compare rate quotes from many insurance companies in your state. The fastest way to find affordable 2020 Land Rover Range Rover Sport insurance rates is simply to get online rate quotes. This can be accomplished by using one of the methods below.

  • The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison. This type of form saves time by eliminating multiple quote forms for every prospective company. A single, simple form gets you price quotes instantly.
  • A more time consuming way to compare rate quotes requires a visit to each company’s website and fill out their own quote form. For instance, let’s assume you want to see prices from Auto-Owners, Allstate and Farmers. You would need to spend time on each company’s site and punch in your information repeatedly, and that explains why we recommend the first method.

The approach you take is up to you, just ensure you are comparing apples-to-apples deductibles and coverage limits for every quote you compare. If you enter mixed coverages then you won’t be able to find the best deal for your Land Rover Range Rover Sport. Slightly different coverages could throw off the whole comparison. And when quoting insurance, remember that comparing all the rates in your area helps locate better pricing. Some smaller insurers to not give quotes online, so it’s important to compare price quotes from them as well.

Auto insurance discounts help cut rates

Auto insurance is easily one of your largest bills, but there could be available discounts that can dramatically reduce your bill. Some of these discounts will be visible at the time of purchase, but a few must be manually applied prior to receiving the credit. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
  • One Accident Forgiven – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
  • Paperwork-free – Some auto insurance companies provide a small discount just for signing your application on their website.
  • Life Insurance – Larger companies have a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Large auto insurance companies and some of the discounts include:

  • State Farm includes discounts for multiple policy, accident-free, student away at school, good student, and anti-theft.
  • GEICO offers discounts including anti-lock brakes, air bags, federal employee, multi-vehicle, five-year accident-free, and multi-policy.
  • Liberty Mutual has savings for safety features, multi-policy, new vehicle discount, exclusive group savings, new graduate, newly retired, and newly married.
  • The Hartford may have discounts that include anti-theft, driver training, vehicle fuel type, defensive driver, bundle, air bag, and good student.
  • MetLife may offer discounts for accident-free, defensive driver, claim-free, good student, multi-policy, good driver
  • Progressive may include discounts for continuous coverage, multi-vehicle, multi-policy, online signing, online quote discount, homeowner, and good student.

When quoting, ask each company or agent the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your state. If you would like to view providers offering auto insurance discounts, enter your zip code here.

Which is the best car insurance?

When buying coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I still get insurance after a DUI?
  • What exactly is covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Do I need rental car coverage?
  • Is my custom paint covered by insurance?
  • Can my teen drive my company car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out your zip code.

Insurance coverage options for a Land Rover Range Rover Sport

Learning about specific coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

UM/UIM Coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses like hospital visits, doctor visits, pain medications and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hail damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

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