View 2014 Land Rover LR2 Insurance Rates

Trying to find the cheapest car insurance rates for your Land Rover LR2? Finding cheap car insurance might be difficult for people new to comparing prices online. When there are so many insurers available, it can easily become a real hassle to locate the lowest premium rates.

It’s smart to compare prices occasionally because prices are variable and change quite frequently. Even if you think you had the best deal for LR2 coverage two years ago the chances are good that you can find a lower rate quote today. There is too much inaccurate information about car insurance online but in a few minutes you can learn some excellent ideas to slash your car insurance rates.

How to buy auto insurance online

When shopping for auto insurance there are multiple ways of comparing rates from many available auto insurance companies in your state. The simplest method to find cheaper 2014 Land Rover LR2 rates involves getting comparison quotes online. This can be done by using one of the methods below.

  • Probably the best way to get quotes is a comparison rater form (click to open form in new window). This form prevents you from having to do a different quote for every prospective company. A single form gets you price quotes instantly.It’s the quickest way to get rates.
  • A harder way to find better pricing requires you to visit each company’s website to complete a price quote. For examples sake, we’ll assume you are doing a rate comparison from USAA, Progressive and Travelers. You would have to take the time to go to each site to input your insurance information, which can get old fast. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just compare the same coverage limits and deductibles with each company. If your comparisons have unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Slightly different limits can result in a big premium difference. Just remember that comparing more rates from different companies helps improve the odds of finding lower pricing.

Don’t miss these discounts

Companies don’t list all possible discounts very well, so here is a list a few of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Government Employees – Employees or retirees of the government may qualify for a discount when you quote insurance coverage for LR2 coverage but check with your company.
  • Renewal Discounts – A few insurance companies give discounts for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
  • Theft Deterent System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • Low Mileage – Fewer annual miles on your Land Rover may enable drivers to earn discounted premium rates on garaged vehicles.
  • Mature Driver Discount – Seniors can get reduced rates for LR2 coverage.
  • Driving Data Discount – Drivers who agree to allow their company to monitor vehicle usage through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction if they are good drivers.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.

If you would like to choose from a list of providers that offer discounts, follow this link.

Special considerations

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • What is roadside assistance coverage?
  • Who is covered when they drive my 2014 Land Rover LR2?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to buy a different vehicle if my 2014 Land Rover LR2 is totaled?
  • Do I need rental car coverage?
  • Can I afford low physical damage deductibles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my Land Rover LR2 covered if I use it for business?
  • Should I rate my 2014 Land Rover LR2 as pleasure use or commute?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses like X-ray expenses, doctor visits, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability – This protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, funeral expenses, pain and suffering and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision coverage will pay to fix damage to your LR2 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.