2014 Land Rover Range Rover Evoque Insurance Rates – 8 Tips for Cheapest Quotes

If you are new to getting insurance coverage quotes online, you may be confused by the vast number of insurance providers who all claim to have the lowest rates.

You need to compare premium rates before your next renewal because rates go up and down regularly. Even if you got the best premium rates for Range Rover Evoque insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

Finding the best rates is not rocket science. Essentially every driver who carries insurance should be able to find better rates. Although drivers need to learn the way companies price online insurance and take advantage of how the system works.

Shop auto insurance online

When comparison shopping, there are several ways to obtain and compare prices from auto insurance companies in your area. The easiest way by far to compare rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

  1. The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate quotes for every prospective company. A single form compares rates direct from many companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to obtain and compare quotes online consists of going to the website of each company and complete a new quote form. For sake of this example, let’s say you want to view quotes from Allstate, 21st Century and Farmers. In order to get each rate, you would have to go to each individual site to enter your coverage information, which can get rather old.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you are using the exact same information with every price quote. If you compare different deductibles then you won’t be able to find the best deal for your Land Rover Range Rover Evoque. Just slight variations in limits can make a big difference in price. And when price shopping your coverage, more quotes increases your odds of finding a lower rate than you’re paying now. Not every company does online quotes, so you need to compare prices from them as well.

Lower-cost insurance coverage rates with discounts

Some providers do not advertise every possible discount in an easy-to-find place, so below is a list some of the best known as well as some of the hidden credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Progressive and Allstate will let one accident slide before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
  • E-sign Discounts – Some of the larger companies give back up to $50 for completing your application online.
  • Good Drivers – Drivers without accidents could pay up to 40% less for Range Rover Evoque insurance compared to accident prone drivers.
  • Discount for Home Ownership – Just being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Safety Course Discount – Taking a course in defensive driver could possibly earn you a 5% discount if your company offers it.
  • Senior Discount – Drivers over the age of 55 may qualify for a discount up to 10% for Range Rover Evoque insurance.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Insurance companies that possibly offer some of the discounts shown above possibly include:

If you need the cheapest insurance coverage quotes, ask every prospective company which discounts they offer. Savings may not apply everywhere. To find companies that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • What discounts do I qualify for?
  • Should I have combined single limit or split liability limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I insured when driving a different vehicle?
  • Does car insurance cover theft of personal property?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I drop full coverage on my 2014 Land Rover Range Rover Evoque?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage specifics

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Land Rover Range Rover Evoque.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance covers damage to your Range Rover Evoque from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, dental work and pain medications. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This will cover injuries or damage you cause to people or other property 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 policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from getting keyed, vandalism, hitting a deer and falling objects. 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.