Cheap Land Rover LR4 Insurance in Long Beach

Discount Land Rover LR4 insuranceIt’s an obvious assumption that car insurance companies don’t want you to look for a cheaper policy. Insureds who get comparison quotes at least once a year will most likely buy a different policy because they stand a good chance of finding a lower rate. A study showed that people who compared price quotes annually saved about $70 a month compared to other drivers who never shopped around for better prices.

If finding the lowest rates on Land Rover LR4 insurance is your ultimate target, then knowing the best way to shop and compare car insurance can help you succeed in saving money.

The easiest way to get discount auto insurance rates in Long Beach is to start comparing rates regularly from providers who can sell car insurance in California. You can compare prices by following these guidelines.

One bit of advice is that you’ll want to make sure you compare the same deductibles and limits on every price quote and to quote with all possible companies. Doing this helps ensure a fair rate comparison and many rates to choose from.

If you are insured now, you will definitely be able to lower your rates using these methods. Finding the cheapest auto insurance coverage in Long Beach is not that difficult. Although California car owners must learn how insurance companies price online insurance and apply this information to your search.

The easiest way to compare insurance rates in your area is to know most of the bigger providers pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information including if the vehicle is leased, whether you are married, daily mileage, and your credit rating estimate. The rating information gets sent immediately to insurance companies and they respond with quotes almost instantly.

To compare rates for your Land Rover LR4 now, click here and enter the information requested.

The companies shown below provide free rate quotes in California. If you want to find the cheapest car insurance in Long Beach, it’s highly recommended you visit several of them to get a more complete price comparison.

These discounts can lower your car insurance quotes

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but some must be asked about before you will receive the discount.Discount car insurance

A little note about advertised discounts, many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount should help lower your policy cost.

The illustration below illustrates the difference between Land Rover LR4 insurance premiums with and without discounts applied. The costs are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.

A list of car insurance companies and a selection of discounts can be found below.

If you are trying to find affordable Land Rover LR4 insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts may not apply to policies in Long Beach. To choose providers who offer discounts in California, follow this link.

Land Rover LR4 insurance rate analysis

The rate table displayed below highlights a range of coverage costs for Land Rover LR4 models. Being more informed about how auto insurance policy rates are established can aid in making smart choices when choosing a car insurance company.

Land Rover LR4 Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $350 $580 $456 $26 $136 $1,548 $129
LR4 HSE $350 $580 $456 $26 $136 $1,548 $129
LR4 HSE Plus $350 $656 $456 $26 $136 $1,624 $135
LR4 LUX $382 $656 $456 $26 $136 $1,656 $138
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can decrease or increase premium rates noticeably.

Policy deductibles

When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The following tables may help you to understand the premium difference when you buy lower versus higher policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Land Rover LR4 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $528 $932 $442 $26 $132 $2,085 $174
LR4 HSE $528 $932 $442 $26 $132 $2,085 $174
LR4 HSE Plus $528 $1054 $442 $26 $132 $2,207 $184
LR4 LUX $576 $1054 $442 $26 $132 $2,255 $188
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Land Rover LR4 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $384 $630 $442 $26 $132 $1,614 $135
LR4 HSE $384 $630 $442 $26 $132 $1,614 $135
LR4 HSE Plus $384 $712 $442 $26 $132 $1,696 $141
LR4 LUX $420 $712 $442 $26 $132 $1,732 $144
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can increase or decrease coverage prices considerably.

Based on these figures, using a $100 deductible will cost you about $41 more each month or $492 a year across all Land Rover LR4 models than opting for the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at least 10 months between claim filings, you would come out ahead if you opt for a higher deductible. Here’s how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $180
Average monthly premium for $500 deductibles (subtract): – $139
Monthly savings from raising deductible: $41
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

One thing to note is that a higher deductible level means you will have to pay more of your own money at claim time. That will require enough disposable savings in order to pay more for the deductible.

The chart below highlights how deductible selection and can raise or lower Land Rover LR4 insurance premiums for different age groups of insureds. The rate quotes are based on a single male driver, comp and collision included, and no discounts are factored in.

Does it make sense to buy full coverage?

The diagram below compares Land Rover LR4 annual premium costs when comparing full coverage to state minimum liability only. The data is based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to stop paying for full coverage

There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Land Rover LR4 replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying the physical damage deductible. If premium cost is more than $300 annually for your policy with full coverage, then it could be time to drop full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Auto insurance companies ranked

Finding the right car insurance company is hard considering how many companies sell insurance in Long Beach. The ranking information in the next section may help you select which providers to look at shopping your coverage with.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Informed Decisions Result in Lower Insurance Rates

When buying car insurance it’s important to understand some of the elements that go into determining your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in much lower annual insurance costs.

The list below includes some of the most common factors that factor into your rates.

Marriage can save on car insurance – Having a wife or husband actually saves money on your car insurance policy. Having a significant other may mean you are more mature than a single person it has been statistically shown that drivers who are married are more cautious.

Too many car insurance claims drive up premiums – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Insurance companies in California generally give discounts to drivers who file claims infrequently. Insurance coverage is intended to be relied upon for larger claims.

Better rates on safer vehicles – Cars with five star safety ratings tend to have lower insurance rates. Safer cars reduce occupant injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Land Rover LR4 has at least four stars on you may pay a lower rate.

Driving citations cost more than a fine – Drivers who don’t get tickets receive lower rates compared to bad drivers. Just one chargeable violation can increase the cost of insurance twenty percent or more. People who have flagrant tickets like reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

The illustration below illustrates how violations and fender-benders impact Land Rover LR4 insurance prices for different ages of insureds. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

More traffic equals higher prices – Being located in a rural area can be a good thing when talking about car insurance. People in densely populated areas tend to have much more traffic and longer commute times. Fewer drivers on the road means fewer accidents in addition to fewer liability claims.

Loss probability for a Land Rover LR4 – Car insurance companies factor in historical loss data when they file their rates in each state. Models that tend to have increased losses will have higher rates. The next table shows the loss history for Land Rover LR4 vehicles.

For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentages below 100 are indicative of better than average losses, while percentage values above 100 indicate more frequent losses or larger claims.

Land Rover LR4 Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Land Rover LR4 4dr 4WD 87 105 134 47

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years