Compare 2003 Land Rover Range Rover Insurance Rates

Finding cheaper insurance is always frustrating for beginners to comparing prices online. Drivers have so many options that it can turn into a difficult challenge to find more affordable rates.

Components of your Land Rover Range Rover insurance premiums

Multiple criteria are used when you get a price on insurance. Some are pretty understandable like your driving record, although some other factors are less apparent such as your credit history or your vehicle rating.

  • Do you have enough liability? – Your auto insurance policy’s liability coverage will provide protection when a jury decides you are liable for an accident. Liability provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Be proud to be claim-free – Car insurance companies award discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Marriage equates to better prices – Walking down the aisle can get you a discount when shopping for auto insurance. Having a significant other generally demonstrates drivers are more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Deter theft and reduce rates – Driving a car with a theft deterrent system can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
  • A lpolicy lapse is a bad thing – Not having insurance can get you a ticket and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, being ticketed for driving with no insurance will get you fines or a revoked license. You may then have to file a SR-22 with your state DMV.
  • Pleasure use or commuting – The more you drive your Land Rover in a year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your auto insurance policy is showing how each vehicle is driven. An incorrectly rated Range Rover may be costing you.

Quote insurance online

Comparing insurance rates is a ton of work if you don’t know the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Most major companies belong to an insurance system that enables customers to submit one quote, and at least one company can give them a price based on that data. This prevents consumers from doing quote requests for each company.

To compare rates using this form now click here to open in new window.

The one downside to getting quotes like this is you are unable to specify the companies to get quotes from. So if you want to choose specific providers to request quotes from, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but double check that you are using exactly the same coverage limits for each price quote. If you are comparing unequal deductibles or liability limits it’s impossible to truly determine the lowest rate. Just slight variations in limits may result in large price differences. Keep in mind that comparing more company’s prices provides better odds of finding better pricing. Some smaller insurers to not give online quotes, so you should also compare quotes from the smaller companies as well.

Pay discount rates with these discounts

Car insurance is expensive, but you may find discounts that can help lower your rates. Larger premium reductions will be automatically applied when you complete an application, but a few must be specifically requested in order for you to get them.

  • Accident Free – Insureds with no claims or accidents can save substantially as opposed to insureds who have frequent claims or accidents.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
  • Paperwork-free – Many car insurance companies will provide an incentive shop car insurance over the internet.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and some of the discounts are outlined below.

  • Progressive offers discounts including online quote discount, multi-vehicle, multi-policy, good student, online signing, and homeowner.
  • AAA offers premium reductions for multi-car, multi-policy, education and occupation, AAA membership discount, pay-in-full, and good student.
  • Farmers Insurance may offer discounts for business and professional, good student, bundle discounts, distant student, electronic funds transfer, and alternative fuel.
  • Geico may have discounts that include multi-vehicle, air bags, membership and employees, seat belt use, and emergency military deployment.
  • Esurance discounts include good driver, anti-theft, online shopper, multi-car, renters, good student, and online quote.
  • SAFECO has discounts for homeowner, safe driver, teen safety rewards, teen safe driver, and anti-theft.
  • State Farm may include discounts for safe vehicle, multiple policy, good driver, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, and good student.

Before you buy a policy, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not be offered in your area.

Your situation helps dictate your coverage

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help you determine if you will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • Should I waive the damage coverage when renting a car?
  • Can I rent a car in Mexico?
  • Can I make deliveries for my home business?
  • When should I remove comp and collision on my 2003 Land Rover Range Rover?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Learn about car insurance coverages for a Land Rover Range Rover

Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 things like a broken windshield, damage from flooding, rock chips in glass, vandalism and hail damage. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, structural damage, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage protection

This will pay to fix damage to your Range Rover from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, backing into a parked car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Save your hard earned cash

You just read some good ideas how to compare 2003 Land Rover Range Rover insurance auto insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, poor customer service and delays in responding to claim requests. Whatever your reason, switching car insurance companies is not as hard as you think.

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. Too many times, someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Additional car insurance information is available on the following sites: