How Much Does 2002 Land Rover Range Rover Car Insurance Cost?

Trying to find better insurance rates for your Land Rover Range Rover? Trying to come up with a payment for expensive insurance can sap your monthly budget and maybe even restrict other spending. Comparison shopping is recommended to make ends meet.

You have multiple car insurance companies to choose from, and although it’s nice to have a selection, having more insurers makes it harder to find the best rates.

You should take the time to price shop coverage at least once a year because insurance prices change frequently. Just because you found the best quotes on Range Rover coverage six months ago you may be paying too much now. Don’t believe everything you read about insurance on the web, but in a few minutes you can learn a bunch of ideas how to lower your insurance premiums.

Buying car insurance is not that difficult. If you currently have car insurance, you will most likely be able to save some money using these techniques. But consumers need to learn the methods companies use to price insurance differently because it can help you find the best coverage.

Compare insurance rates

There are a lot of ways to compare insurance quotes, and some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use the web to get the quickest rates.

Most of the best insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company provides a quote determined by their information. This system prevents you from having to do form submissions for each company.

To compare rates now click here to start a free quote.

The single downside to getting quotes like this is you don’t know exactly which insurance companies to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but double check that you are using exactly the same deductibles and coverage limits for each comparison quote. If you enter different coverage information it will be nearly impossible to find the best deal for your Land Rover Range Rover. Even a minor difference in coverage limits could mean much higher rates. Just remember that having more price comparisons helps improve the odds of finding more affordable rates. Some insurance companies are not set up to provide quotes online, so it’s necessary to compare prices on coverage from those companies, too.

Auto insurance policy discounts

Some companies don’t always list the entire discount list very clearly, so we took the time to find both the well known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

Service Members Pay Less – Having an actively deployed family member could be rewarded with lower auto insurance rates.
Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
Homeowners Savings – Simply owning a home can get you a discount because owning a home requires a higher level of personal finance.
Drive Less and Save – Keeping the miles down on your Land Rover may enable drivers to earn better prices on cars that stay parked.
Policy Bundle Discount – If you can combine your home and auto policy with one insurance company you will save over 10 percent off each policy depending on the company.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Large auto insurance companies and some of the premium reductions they offer are shown below.

Farmers Insurance has savings for youthful driver, multi-car, bundle discounts, electronic funds transfer, alternative fuel, pay in full, and good student.
State Farm may include discounts for passive restraint, multiple policy, Steer Clear safe driver discount, student away at school, anti-theft, and driver’s education.
Liberty Mutual includes discounts for good student, hybrid vehicle, new vehicle discount, multi-policy, and exclusive group savings.
MetLife offers discounts including claim-free, accident-free, multi-policy, defensive driver, and good student.
Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.

Before you buy a policy, ask each company or agent to apply every possible discount. Discounts might not be offered in your area. To see a list of providers who offer discounts, follow this link.

How do I know if I need professional advice?

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you could use an agent’s help.

Does my policy cover me when driving someone else’s vehicle?
Is my Land Rover Range Rover covered if I use it for business?
Can I pay claims out-of-pocket if I buy high deductibles?
Is my custom paint covered by insurance?
Am I covered if I hit my neighbor’s mailbox?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

What auto insurance coverages do you need?

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, rehabilitation expenses and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Range Rover from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, theft, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.