Best Land Rover Car Insurance Quotes (2023)

The sticker price of a Land Rover may instill fear in the heart of man. In fact, buying one may very well set you back by a figure higher than the average household income in the United States. Insuring one, however, doesn’t have to come at an immense cost.

The biggest tip to insuring your rover is understanding the coverage you’ll need and gathering quotes based on that information. Land Rover drivers should already expect to pay more to maintain, repair, and insure their vehicles than the average. If you go in with that mindset, it’s easier to find the avenues by which you can get the most for your dollars spent.

The first step is to find out what sorts of quotes to gather to cover your Land Rover. First, let’s talk about the coverage that’s required, as well as the coverage that you might need even though it isn’t required. After that, we’ll peek at how much you should expect to be charged for it.

Comparing Different Coverage Options for Your Land Rover

Your Land Rover is more than just your method of transportation. Apart from your home, it’s likely the second-most valuable asset, so finding the best insurance is imperative. Insurance companies offer an abundance of options, and you may need some but not all of them. Let’s go over a few types of car insurance coverage.

Liability coverage

Required in most states, liability coverage is the bedrock of any given car insurance policy. In essence, any time you cause an accident and can be held liable, your Rover liability coverage steps in to compensate, repair damage, or replace property for the other party. Liability coverage represents many of the most common claims you see or hear about. Learn more about car insurance requirements.

Comprehensive car insurance coverage

Comprehensive is an optional coverage subject to car insurance deductibles (with an exception in certain states for windshield repair/replacement). This coverage kicks in when there’s damage that didn’t result from an incident or collision. If we’re talking theft, falling objects, fire, etc.

Collision coverage

Like it’s sibling above, collision is required if you’re still making payments on your Rover. And if you aren’t, it’s still worth considering. Collision insurance kicks in when you caused the accident, but you need your vehicle replaced. Otherwise, your liability coverage will repair/replace the vehicle you hit, but you’ll be left high and dry. As the owner of a Land Rover, that’s a substantial risk to take on. Interested in knowing more? Here’s how to find the best collision coverage car insurance companies.

Underinsured coverage

This is gap insurance’s distant cousin. Every state in the union has a liability minimum and no matter which state we’re talking about, it’s unlikely to cover the full replacement of a Land Rover. Underinsured coverage kicks in to fill the gap which is left. For example, let’s consider the Range Rover Discover Sport. Nowadays, they begin at around $38,000. If another driver totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you’d be saddled with the remainder of $13,000 to replace your own vehicle that somebody else totaled. It sounds unfair, but it’s the law.

Roadside assistance

This oft-overlooked service can be a lifesaver (or at least an insurance premium saver) under the right circumstances. If you abandon your vehicle for any reason, the risk of theft and vandalism skyrocket. Adding roadside assistance for a nominal fee allows you a line of defense in the event of a flat tire or if you run out of gas.

If you aren’t sure which you’d prefer and which you’d rather leave off, that’s okay. Gather several quotes from the same company, some with options attached and others bare. Then, compare those figures from one company to the next. If they’re looking to win your business, they’ll be happy to do the extra legwork to help you find the right policy to fit your needs. Find out how much car insurance you need.

Saving Money on Land Rover Car Insurance Rates

How much will your Land Rover insurance cost? Due to your vehicle, you can expect rates to run higher than the average premium in the country, but you didn’t buy a Land Rover expecting anything to be cheap.

Even still, your insurance premium is a puzzle which must be assembled and your vehicle is only one piece. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture too. Learn more about the average car insurance cost by age.

Every insurer will bomb you with quotes without charge but remember — coverage and discount options vary. Get all the quotes you can find, look them over, and see who gives you the most discounts. They may have different names with each insurer, but keep these commonplace car insurance discounts in mind:

• Vehicle safety: Land Rovers come equipped with some of the highest-tech safety features on the market. Entering your VIN into the quote is usually all you need to do to take advantage of these.

• Anti-theft: Rovers also come standard with several anti-theft features, so ask your insurance carrier to be sure that you’re saving as much as you should.

• Multi-car: Chances are that the Land Rover isn’t the only vehicle living in the garage. Rather than dipping your toe in, have each insurer quote those other vehicles too. Insuring multiple vehicles with the same company often garners a hefty discount on each vehicle.

• Multi-line: Whether it’s homeowners, renters, or life insurance, bundling products will save on each.

• Driver training: When was the last time you took a defensive driving course? They’re available online nowadays, you can knock them out in an hour or less, and the discount sticks around for several years.

• Usage-based discounts: Many major insurance companies now offer discounts for drivers who allow the monitoring of driving habits, whether through a device received in the mail or by downloading and maintaining an app.

Selecting the Best Insurance Company

Price varies. It can change from city to city, state to state, and individual to individual. Price is important, but it should never be the sole measure. If you were a price-only customer, you’d be driving a Ford Focus and not a Land Rover. Apply that same scrutiny to your insurance search.

Accidents happen. Windshields crack. Tires go flat. Whether it’s for roadside assistance, a fender bender, or worse, who do you want to do business with in the worst of times? It’s easy to choose a new insurer when everybody’s happy and there’s nothing the matter, but who do you want to talk to on a particularly bad day? Who makes you feel comfortable dialing their number or loading their app?

The best insurer for you may not be the best for someone else because you may go about your business differently. In that way, the best is subjective. The good news is that the market is competitive and it pays to give quality customer service. There’s peace of mind to be had, and you owe it to yourself to find it.

If you were happy with your current insurer, chances are you wouldn’t be scrolling this site right now. And if you’re still reading, there’s a good chance it’s time for a change. Maybe you’re concerned that your current insurer doesn’t have your back. If so, maybe it’s time to shop around a little. With any luck, you’re now armed with the knowledge to do just that.