Compare 2015 Land Rover LR2 Insurance Rates

Sick and tired of scraping the payment together each month for insurance? You’re in the same situation as the majority of other people. You have multiple insurers to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to compare company pricing.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Drivers only need to know the tricks to get comparison quotes over the internet.

How to compare car insurance rate quotes

There are multiple methods you can shop for car insurance but one way is more efficient than others. You could spend the better part of a day driving to local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a rated price determined by their information. This saves time by eliminating form submissions for every car insurance company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose the companies to get quotes from. So if you want to select individual companies to compare prices, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, try to keep apples-to-apples deductibles and coverage limits on every quote. If you use mixed coverages it will be very difficult to truly determine the lowest rate.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight whether or not you will benefit from professional help.

  • When would I need rental car insurance?
  • Is my teenager covered with friends in the car?
  • Should I have a commercial auto policy?
  • What if I don’t agree with a claim settlement offer?
  • Should I buy full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverages explained

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your LR2 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 like hitting a mailbox, sideswiping another vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, 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. You might see values of 25/50/25 that means you have $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 coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, court costs, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, damage from getting keyed and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Land Rover LR2.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.