2005 Land Rover Range Rover Car Insurance Quotes – 10 Tricks for Cheaper Rates

Searching for better insurance rates for your Land Rover Range Rover? Paying for high-priced Land Rover Range Rover insurance can bleed your savings account, especially in this economy. Doing a price comparison can lower your rates and help to make ends meet.

Because there are so many companies and agents to choose from, it is hard for the average consumer to pick the lowest cost insurance company.

It is always a good idea to check insurance prices on a regular basis because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for Range Rover coverage six months ago there is a good chance you can find better rate quotes now. You can search a lot of insurance out there, but in this article, you’re going to get some great ideas on how to find affordable insurance.

Insurance coverage companies offer many types of discounts

Companies don’t always publicize their entire list of discounts very clearly, so here is a list both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

  • Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a slight reduction on a auto insurance quote for Range Rover coverage.
  • Good Student Discount – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Active Military Service – Being on active deployment in the military could mean lower rates.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Multiple Vehicles – Insuring primary and secondary vehicles with the same company may reduce the rate for each vehicle.
  • College Student Discount – Youth drivers who live away from home to go to college and do not have a car can receive lower rates.
  • Drivers Education – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.

You should keep in mind that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

A list of companies and a selection of discounts are:

  • State Farm policyholders can earn discounts including defensive driving training, passive restraint, accident-free, Steer Clear safe driver discount, driver’s education, and good driver.
  • GEICO offers discounts including defensive driver, anti-lock brakes, five-year accident-free, air bags, emergency military deployment, and anti-theft.
  • SAFECO discounts include drive less, teen safe driver, anti-lock brakes, accident prevention training, and anti-theft.
  • Farmers Insurance offers discounts for teen driver, distant student, multi-car, good student, early shopping, switch companies, and alternative fuel.
  • AAA may have discounts that include multi-car, anti-theft, AAA membership discount, pay-in-full, education and occupation, and good student.
  • USAA includes discounts for good student, annual mileage, new vehicle, driver training, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply in every state. To see a list of insurers with discount insurance coverage rates, follow this link.

Does insurance coverage advertising bend the truth?

Drivers get pounded daily by advertisements that promise big savings by Allstate and Progressive. They all seem to state the claim that drivers will save a bundle if you change your policy.

How does each company save you money? You have to listen carefully.

Different companies quote their best rates for the type of driver that will add to their bottom line. For example, a profitable insured should be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. Any customer that meets those criteria receives the best prices as well as save when they switch companies.

Potential customers who don’t meet these standards will get higher premium rates and this results in the customer not purchasing. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently make it sound like they have such great prices.

This really drives home the point why drivers must quote coverage with many companies. It is just not possible to predict with any certainty which company will give you the biggest savings.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • What is the minimum liability in my state?
  • Does coverage extend to my business vehicle?
  • What if I total my 2005 Land Rover Range Rover and owe more than it’s worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my Land Rover Range Rover covered if I use it for business?
  • Can I get a multi-policy discount?
  • Should I buy additional glass protection?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of your auto insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.


This coverage will cover damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, medical expenses, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

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 insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, hail damage, fire damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Money doesn’t grow on trees

We just presented a lot of ways to shop for 2005 Land Rover Range Rover insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

The cheapest 2005 Land Rover Range Rover insurance can be bought from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and usually these smaller companies prefer to sell through independent insurance agencies.

More detailed insurance information can be read at these sites: