Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone. Lots of auto insurance companies contend for your business, so it can be very hard to choose a provider and get the best coverage at the best price available.
It’s a good habit to shop coverage around on a regular basis since rates change frequently. Just because you found the lowest price for Range Rover Sport coverage six months ago you may be paying too much now. Starting now, ignore everything you know about auto insurance because you’re going to learn one of the easiest ways to properly buy coverages and cut your premium.
Comprehensive Auto Insurance Comparison
Effectively comparing auto insurance prices can take hours if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.
The majority of car insurance companies enroll in a system where insurance shoppers only type in their quote data once, and at least one company then returns a price quote based on that information. This prevents consumers from doing form submissions to each company.
To find out how much you’re overpaying now click here to start a free quote.
One minor caviat to using this type of form is that you can’t choose the insurers you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here to view list.
It’s up to you which method you use, but make absolute certain that you use exactly the same coverages for each price quote. If the quotes have differing limits it’s not possible to find the best deal for your Land Rover Range Rover Sport.
You probably qualify for some discounts
Auto insurance companies do not advertise every available discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known auto insurance savings. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- Defensive Driver – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if you are claim-free for a particular time prior to the accident.
It’s important to note that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous.
To see a list of insurers with discount auto insurance rates, click here to view.
There’s no such thing as the perfect policy
When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions may help you determine if you may require specific advice.
- How much liability do I need to cover my assets?
- Do I really need UM/UIM coverage?
- Do I benefit by insuring my home with the same company?
- Exactly who is provided coverage by my policy?
- When should I drop full coverage on my Land Rover Range Rover Sport?
- At what point should I drop full coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- How high should my medical payments coverage be?
- Does my insurance cover a custom paint job?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
