Car owners who are new to the process of comparing auto insurance prices on the internet might discover purchasing low cost Land Rover LR4 insurance is very challenging.
It’s hard to fathom, but over 70% of Texas drivers renewed their policy with the same company for over three years, and almost half have never compared rate quotes at all. American insurance shoppers can save roughly 46.5% each year just by shopping around, but most just don’t grasp the big savings they would realize if they changed companies.
It’s important to shop coverage around once or twice a year because insurance rates are constantly changing. Despite the fact that you may have had the best deal on Land Rover LR4 insurance in Austin two years ago you can probably find a better price now. Ignore everything you know about insurance because we’re going to demonstrate the easiest way to get good coverage on Land Rover LR4 insurance in Austin at a lower rate.
The majority of larger companies give pricing directly from their websites. Comparing Land Rover LR4 insurance rates online doesn’t take a lot of time as you simply enter your coverage preferences into the form. After the form is submitted, the quote system will order your credit score and driving record and generates a price based on the data you entered.
Being able to quote online for Land Rover LR4 insurance in Austin makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to find the lowest possible payments on auto insurance.
If you want to find out what other companies charge, compare rate quotes from the providers shown below. To compare your current rates, we recommend that you enter the coverage information identical to your current policy. This helps ensure you’re receiving rate quotes using the exact same coverages.
The car insurance companies shown below provide price comparisons in Texas. If the list has multiple companies, it’s highly recommended you visit two to three different companies to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $518 | $804 | $500 | $30 | $150 | $2,002 | $167 |
| LR4 HSE | $286 | $560 | $430 | $26 | $128 | $1,430 | $119 |
| LR4 HSE Plus | $196 | $408 | $366 | $22 | $110 | $1,102 | $92 |
| LR4 LUX | $250 | $440 | $392 | $24 | $118 | $1,224 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in vehicle garaging location which can raise or lower auto insurance rates substantially.
Reckless driving habits raise auto insurance rates
The chart below highlights how speeding tickets and fender-benders influence Land Rover LR4 car insurance rates for different age groups. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
Premiums by gender and age
The information below illustrates the difference between Land Rover LR4 insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Cost difference between full coverage and liability
The information below illustrates the comparison of Land Rover LR4 auto insurance rates with full coverage compared to only the Texas minimum liability coverage. The prices are based on no claims or driving violations, $250 deductibles, single female driver, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no set rule of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Land Rover LR4 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying your deductible. If premiums are more than $700 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some conditions where dropping full coverage is not advised. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Lower rates by qualifying for discounts
Some companies don’t necessarily list all discounts in a way that’s easy to find, so we took the time to find both the well known and also the more inconspicuous credits available to lower your premiums when you buy Austin car insurance online.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more on LR4 insurance in Austin.
- Safety Course Discount – Taking part in a safe driver class is a good idea and can lower rates and make you a better driver.
- Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one company you may save 10% to 20% off each policy.
- Early Switch Discount – Some larger companies give discounts for buying a policy before your current expiration date. This discount can save up to 10%.
- Organization Discounts – Belonging to a civic or occupational organization in Austin is a simple method to lower premiums when shopping for car insurance.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
- Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a Austin car insurance quote.
- Home Ownership Discount – Just owning your own home may earn you a small savings since home ownership is proof that your finances are in order.
- Save with More Vehicles Insured – Having all your vehicles with the same company can reduce the rates for all insured vehicles.
As a disclaimer on discounts, most discounts do not apply to the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, it’s just not the way it works. Any amount of discount will cut the amount you have to pay.
To locate insurers that offer multiple discounts in Austin, click this link.
Three reasons to insure your Land Rover vehicle
Despite the high insurance cost for a Land Rover LR4 in Austin, maintaining insurance is a good idea for several reasons.
- Almost all states have minimum liability requirements which means the state requires a specific level of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, it’s most likely the lender will stipulate that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Land Rover at a much higher rate and make you pay much more than you were paying before.
- Insurance safeguards not only your Land Rover LR4 but also your assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so you should quote and compare rates at least once a year to ensure rates are competitive.
Local insurance agents
Some consumers just want to have an agent’s advice and we recommend doing that The best thing about comparing rate quotes online is that drivers can save money and get cheap auto insurance quotes and still buy from a local agent. And buying from local insurance agents is especially important in Austin.
To make it easy to find an agent, after completing this simple form, the coverage information is emailed to companies in Austin who will give you quotes to get your business. You never need to do any legwork since rate quotes are delivered directly to your email. You’ll get the best rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific company, don’t hesitate to jump over to their website to submit a rate quote request.
Car insurance agents in Austin come in two varieties
If you want to buy auto insurance from a local insurance agency, it’s helpful to know the different types of agencies and how they can write your policy. Auto insurance agents can be described as either independent or exclusive.
Independent Auto Insurance Agencies
These type of agents do not write with just one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If you want to switch companies, your agent can just switch to a different company and the insured can keep the same agent. When comparing rate quotes, you absolutely need to include price quotes from several independent agencies in order to have the best price comparison. Most have the option of insuring with additional companies that you may not be familiar with which may provide better rates.
The following is a small list of independent insurance agencies in Austin who may provide price quotes.
- Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map - EZ Insurance Agency – Main
4502 S Congress Ave – Austin, TX 78745 – (512) 444-4040 – View Map - Central Insurance Agency, Inc.
6000 N Lamar Blvd – Austin, TX 78752 – (512) 451-6551 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel are contracted to one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually quite knowledgeable on their company’s products which can be an advantage. A lot of people buy from the same agent for years primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a list of exclusive insurance agencies in Austin that are able to give rate quotes.
- Allstate Insurance: Amanda Escobar
8700 Manchaca Rd #405 – Austin, TX 78748 – (512) 280-9700 – View Map - Allstate Insurance: Richard Harper
1807 W Slaughter Ln Ste 400 – Austin, TX 78748 – (512) 292-7410 – View Map - Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map
Picking an car insurance agent requires more thought than just a cheap price quote. These are valid questions to ask:
- Are you getting all the discounts the company offers?
- Which companies do they recommend if they are an independent agency?
- Are they actively involved in the community?
- When do they do policy reviews?
- Does the agency have a positive business rating?
After you get positive feedback to your questions and a good coverage price, it’s a good possibility that you have found an insurance agency that meets the criteria to properly insure your vehicles.