2017 Land Rover Range Rover Evoque Car Insurance Cost – 7 Tips for Cheapest Prices

If you’re trying to find more affordable insurance online, do you get confused by the sheer number of insurance companies that you can choose from? There are such a large number of options that it can easily turn into a ton of work to find better insurance rates.

How to shop insurance online

There are several ways to compare insurance quotes, but there is one way that is easier and takes less work. You can spend countless hours driving to agents in your area, or you could save time and use online quotes to quickly compare rates.

Many of the larger companies belong to an insurance system where insurance shoppers send in one quote, and each company can give them a price based on that information. This eliminates the need for form submissions to each individual insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to pricing coverage this way is you are unable to specify which carriers to get pricing from. So if you prefer to choose specific providers for rate comparison, we have a listing of companies who write insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same quote information for each quote you get. If you enter different liability limits it will be next to impossible to determine which rate is truly the best. Slightly different insurance coverages or limits can mean a large discrepancy in price. Just remember that comparing a wide range of rates provides better odds of finding the best rates.

Can you really save that much by switching?

Big name companies like Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the ads convey the message that drivers will save a bundle after switching to them. How can each company offer you a better deal? Here is how they do it.

Insurance companies give the best rates for a prospective insured they prefer to insure. A good example of a profitable risk profile might be described as over the age of 50, has a low-risk occupation, and drives less than 10,000 miles a year. Anybody who matches those parameters will probably get cheap car insurance rates and have a good chance to cut their rates if they switch.

Insureds who don’t qualify for those standards will get higher premium rates and ends up with business going elsewhere. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can make it sound like they have such great prices.

Each company has different criteria, so you absolutely need to get price quotes at each policy renewal. It’s impossible to know which company will have the best premium rates for your profile.

Do you qualify for discount insurance?

Companies that sell car insurance don’t always publicize all disounts very clearly, so we took the time to find both well-publicized and also the lesser-known discounts that you may qualify for.

  • Onboard Data Collection – Insureds who allow their insurance company to analyze driving manner by using a telematics device such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Military Deployment Discount – Being on active duty in the military may lower your rates slightly.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up if your claims history is clear for a certain period of time.
  • No Accidents – Insureds with no claims or accidents pay less in comparison to drivers with a long claim history.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance rate on car insurance if you buy some life insurance too.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, company stockholders wouldn’t be very happy. Any amount of discount will bring down your policy premium.

To find insurers that offer some of these discounts, follow this link.

What insurance coverages do I need?

When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Where can I find DUI or SR-22 insurance?
  • What if I owe more than I can insure my car for?
  • Can I drive in Mexico and have coverage?
  • I have a DUI can I still get coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy liability insurance?
  • Does my 2017 Land Rover Range Rover Evoque need full coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Land Rover Range Rover Evoque.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, a broken windshield, hitting a deer, hail damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Range Rover Evoque caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, structural damage, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, X-ray expenses, pain medications, nursing services and surgery. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Lower-priced 2017 Land Rover Range Rover Evoque insurance can be found online as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not offer online quoting and many times these smaller providers sell through independent insurance agents.

In this article, we covered some good ideas how to reduce 2017 Land Rover Range Rover Evoque insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the best price on insurance is with the least-expected company.

As you shop your coverage around, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

More detailed insurance information can be read at these sites: