How Much Does 2014 Land Rover Range Rover Sport Insurance Cost?

Looking for lower auto insurance rates for your Land Rover Range Rover Sport? Are you regretting the purchase of an underperforming, overpriced auto insurance policy? It’s quite common and many consumers are in the same pinch. Multiple insurers compete for your insurance dollar, so it’s not easy to compare every provider to find the lowest rate possible.

Earn discounts on car insurance

Car insurance is not an enjoyable expense, but you might find some hidden discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but some must be asked for in order for you to get them.

  • Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction on Range Rover Sport insurance depending on your company.
  • Home Ownership Discount – Just being a homeowner can get you a discount since owning and maintaining a home is proof of financial responsibility.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates on your bill.
  • Defensive Driving Course – Successfully completing a class that teaches defensive driver techniques is a good idea and can lower rates and also improve your driving technique.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Bundle and Save – If you have multiple policies and place coverage with the same company they may give you a discount of 10% to 20% off each policy.

Don’t be shocked that some credits don’t apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

Popular car insurance companies and a selection of discounts are included below.

  • American Family may include discounts for good driver, early bird, Steer into Savings, multi-vehicle, bundled insurance, mySafetyValet, and accident-free.
  • Nationwide has savings for easy pay, defensive driving, multi-policy, good student, Farm Bureau membership, accident-free, and family plan.
  • MetLife offers discounts including claim-free, good driver, good student, accident-free, and defensive driver.
  • 21st Century offers discounts for 55 and older, good student, driver training, student driver, air bags, defensive driver, and early bird.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, teen driver, switch companies, homeowner, mature driver, early shopping, and youthful driver.
  • Allstate offers premium reductions for defensive driver, senior citizen, premier plus, 55 and retired, early signing, safe driver, and economy car.

If you need lower rates, check with every company how many discounts you can get. Some discounts listed above may not apply to policyholders in your area.

The cheapest insurance coverage quotes online

Finding a better price on insurance coverage is not rocket science. Consumers just need to spend a few minutes comparing price quotes to find. Insurance prices can be quoted by using one of the methods below.

  • Hands down the most simple method consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This quick form saves time by eliminating repetitive form submissions to each individual insurance coverage company. Completing one form gets insurance cost estimates instantly.
  • Another way to analyze rates requires a trip to the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you are doing a rate comparison from State Farm, Safeco and Geico. In order to get each rate, you would have to go to each individual site to input your insurance information, which is why most consumers use the first method.

    For a list of companies in your area, click here.

  • The hardest method to price shop rates is going to different agent offices. Shopping for insurance coverage online has made agencies unnecessary unless you require the trained guidance that only a licensed agent can provide. Drivers can get prices online and still use a local agent.

Take whichever approach you prefer, but try to keep exactly the same deductibles and coverage limits for each price quote. If you enter mixed coverages it will be very difficult to find the best deal for your Land Rover Range Rover Sport.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Does liability extend to a camper or trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I have a commercial auto policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • How do I insure my teen driver?
  • Can my babysitter drive my car?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, hospital visits, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, medical services, medical expenses, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Range Rover Sport caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from flooding and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More effort can pay off

Cost effective 2014 Land Rover Range Rover Sport insurance can be purchased from both online companies and from local agencies, so you need to quote insurance with both to have the best selection. Some companies may not offer internet price quotes and usually these smaller providers only sell coverage through independent agencies.

When getting insurance quotes online, you should never buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

We just presented a lot of ways to lower your 2014 Land Rover Range Rover Sport insurance prices. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

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