2012 Land Rover Range Rover Evoque Insurance Cost – 10 Policy Discounts

Trying to find lower insurance coverage rates for your Land Rover Range Rover Evoque? Are you overwhelmed by the wide range of insurance coverage choices? Many other consumers are too. Consumers have so many options that it can quickly become a real hassle to find the perfect company for you.

It’s a good habit to compare rates occasionally because insurance rates are variable and change quite frequently. Just because you found the lowest price on Range Rover Evoque insurance a year ago you can probably find a better price now. So just forget all the misinformation about insurance coverage because you’re going to get a crash course in the easiest way to find better rates and still maintain coverage.

Pay less for 2012 Land Rover Range Rover Evoque insurance

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden ways to save on auto insurance.

  • Low Mileage – Keeping the miles down on your Land Rover can qualify you for better rates on cars that stay parked.
  • One Accident Forgiven – Certain companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Student in College – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.
  • Passive Restraints – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Service Members Pay Less – Having a family member in the military can result in better rates.

It’s important to understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies offering auto insurance discounts, click this link.

The fine print in car insurance ads

Car insurance providers like Allstate and Progressive regularly use ads in print and on television. They all have a common claim of big savings if you move your coverage to them. How do they all make almost identical claims?

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk could be over the age of 40, owns a home, and has great credit. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will cut their rates substantially.

Drivers who don’t measure up to this ideal profile will have to pay higher premiums which leads to the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims. Because of the profiling, drivers should get as many quotes as possible. Because you never know the company that will provide you with the cheapest Land Rover Range Rover Evoque insurance rates.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation may require specific advice.

  • How high should deductibles be on a 2012 Land Rover Range Rover Evoque?
  • What is UM/UIM insurance?
  • Is motorclub coverage worth it?
  • Should I rate my 2012 Land Rover Range Rover Evoque as pleasure use or commute?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my 2012 Land Rover Range Rover Evoque need full coverage?
  • Am I better off with higher deductibles on my 2012 Land Rover Range Rover Evoque?
  • Why is insurance for a teen driver so high?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Car insurance policy specifics

Having a good grasp of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, funeral expenses, bail bonds and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses like surgery, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Land Rover Range Rover Evoque.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

The bottom line

We’ve covered many ways to save on 2012 Land Rover Range Rover Evoque insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from the least-expected company.

As you prepare to switch companies, do not skimp on coverage in order to save money. Too many times, an accident victim reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Discount insurance is possible on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links: