Feel like you’re a prisoner to overpriced car insurance? Believe me, you’re not alone.
With so many choices of insurance companies, it’s difficult to find the most affordable provider.
Why your Land Rover Range Rover Evoque insurance rates may be high
It’s important that you understand the different types of things that go into determining the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.
- Younger drivers pay higher rates – Young drivers are known to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
- Pleasure use saves money – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. Make sure your car insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Range Rover Evoque can cost quite a bit.
- Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, architects and dentists have the highest average rates because of stressful work requirements and lengthy work days. Other professions such as farmers, historians and homemakers get better rates for Range Rover Evoque insurance.
- Your car’s features help determine rates – Driving a car with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
- Liability coverage is cheap – Liability coverage is the protection if ever a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
- Better credit scores mean better rates – Credit rating is a large factor in calculating your car insurance rates. People with excellent credit tend to be more responsible as compared to drivers with lower ratings. So if your credit score can use some improvement, you could be paying less to insure your Land Rover Range Rover Evoque by improving your credit score.
- Performance level impacts rates – The make and model of the vehicle you are buying insurance for makes a huge difference in your rates. The most favorable rates are generally reserved for small economy passenger cars, but the final cost of insurance is determined by many other factors. Due to the fact that the Land Rover Range Rover Evoque is a standard SUV, insuring your vehicle will cost slighty more as compared to the average rate.
How to Get Car Insurance
All the larger car insurance companies provide coverage price quotes on their websites. This process doesn’t take much effort as you just type in the coverage amounts you desire into a form. When the form is submitted, their system sends out for your credit score and driving record and provides a quote determined by many factors. Being able to quote online makes comparing rates easy, but having to visit different websites and enter the same data into a form is monotonous and tiresome. But it is imperative to compare as many rates as possible in order to get the lowest price.
There is an easier way!
A quicker way to get multiple rate quotes utilizes a single form to return rates from several different companies. It saves time, requires less work, and makes price shopping online much easier to do. Immediately after submitting the form, your coverage is rated and you can choose any of the quotes that you receive.
If a lower price is quoted, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and may result in a nice savings.
To quickly get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the insurance coverages just like they are on your policy. This guarantees you are getting comparison quotes based on the exact same insurance coverage.
Beware of misleading car insurance ads
GEICO, State Farm and Progressive consistently run ads on television and other media. All the companies have a common claim that you’ll save big if you change your coverage to them. How does each company make almost identical claims?
All companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer could possibly be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save when they switch companies.
Potential insureds who do not match the “perfect” profile will be charged a more expensive rate and ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can advertise the savings.
That is why it is so important to get as many quotes as possible. It’s not possible to predict which car insurance company will provide you with the cheapest rates.
Don’t miss out on these money-saving discounts
Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but a few need to be specially asked for before being credited.
- No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Range Rover Evoque insurance.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
- Student in College – Youth drivers who live away from home and do not have a car may qualify for this discount.
- Homeowners Savings – Owning a house can help you save on car insurance because owning a home is proof that your finances are in order.
Keep in mind that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will cut your overall premium however.
To choose insurance companies with discount car insurance rates, click here to view.
More comparisons equals lower rates
As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
We covered quite a bit of information on how to compare Land Rover Range Rover Evoque insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a small local company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
