Searching for low-cost insurance for a new or used Land Rover LR4 in California could be a lot of work, but you can learn these tips to save time. There are more efficient ways to shop for auto insurance so we're going to tell you the quickest way to compare rates for a Land Rover and locate the lowest price from both online companies and San Jose agents.
If you are insured now or need a new policy, use these tips to get lower rates without reducing coverage. Quoting affordable protection in San Jose is not as time-consuming as you think. Drivers just need to know the most effective way to compare rates instantly.
Compare San Jose Land Rover LR4 insurance rate quotes online
The companies shown below have been selected to offer price comparisons in San Jose, CA. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.
Data for Land Rover LR4 insurance
The table displayed below covers a range of coverage prices for Land Rover LR4 models. Being aware of how policy premiums are calculated is important for you to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|LR4 HSE Plus||$252||$572||$500||$30||$150||$1,504||$125|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific San Jose garaging location which can change rates noticeably.
Best reasons to buy car insurance in California
Despite the high cost, paying for car insurance is required in California but it also protects you in many ways.
First, just about all states have minimum liability requirements which means state laws require a specific level of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most banks will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Land Rover for a much higher rate and force you to pay for the much more expensive policy.
Third, car insurance protects both your vehicle and your assets. It also can pay for most medical and hospital costs incurred in an accident. Liability insurance also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of insuring your LR4 are without a doubt worth the cost, particularly when you have a large claim. The average driver in America is wasting up to $869 every year so compare quotes from several companies each time the policy renews to ensure rates are competitive.
The Land Rover LR4 Insurance Cost Equation
Smart consumers have a good feel for the rating factors that aid in calculating the price you pay for insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower insurance prices. Many things are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are not as apparent such as your marital status and annual miles driven.
Do safer cars cost less to insure? - Cars with five star safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means less claims paid which can result in lower premiums. If your Land Rover LR4 is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Never go without insurance - Driving without insurance coverage in place is not a good idea and as a result your rates will increase for letting your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance may result in fines or a revoked license.
Your career may increase premiums - Jobs like fire fighters, architects, and accountants usually pay higher rates than the rest of us in part from intense work situations and lengthy work days. On the flip side, occupations like scientists, students and retirees pay lower than average rates.
Pay more of a claim out-of-pocket - Protection for physical damage, also called 'full coverage', helps pay for damage to your vehicle. Some examples of covered claims could be collision with another vehicle, damage caused by hail, and rolling your vehicle. Your deductibles define how much you are willing to pay in the event of a claim. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.
Cheaper to insure women? - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn't prove that males are worse at driving than females. Both genders tend to get into auto accidents at a similar rate, but the males have accidents that have higher claims. They also get more serious tickets like driving under the influence (DUI). Males from age 16 to 21 are the most expensive to insure and therefore have the most expensive insurance rates.
The illustration below illustrates the difference between Land Rover LR4 yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Keep prices low by being claim-free - Companies in California provide the best rates to policyholders who only file infrequent claims. If you're an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of larger claims.
Premiums are affected by your credit rating - Having a good credit rating will be a significant factor in determining what you pay for insurance. Drivers who have excellent credit scores tend to be more responsible than drivers who have poor credit. So if your credit is lower than you'd like, you could be paying less to insure your Land Rover LR4 by repairing your credit.
Liability claims can be big - Your insurance policy's liability coverage will afford coverage in the event that a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
Land Rover LR4 historical loss data - Car insurance companies use claims history when they file their rates in each state. Vehicles that have higher losses will cost more for coverage. The table below illustrates the historical insurance loss data for Land Rover LR4 vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, as an average, is a value of 100. Percentage values below 100 indicate a favorable loss history, while values that are above 100 point to more losses or tendency to have larger claims.
|Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Earn discounts on San Jose insurance
Car insurance companies don't always publicize every discount available in an easy-to-find place, so we took the time to find both the well known and the harder-to-find credits available to lower your premiums when you buy San Jose car insurance online.
- Seat Belts Save more than Lives - Requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
- Bundle and Save - If you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% and get you affordable Land Rover LR4 insurance rates in San Jose.
- Waiver for an Accident - Not a discount per se, but companies like Progressive and Allstate will let one accident slide before they charge you more for coverage so long as you are claim-free for a specific time period.
- Military Rewards - Being on active duty in the military could be rewarded with lower insurance rates.
- Professional Organizations - Having an affiliation with certain professional organizations could trigger savings when shopping for insurance.
- Paperless Signup - Some insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
Remember that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, you aren't that lucky.
The chart below illustrates the comparison of Land Rover LR4 car insurance costs with and without discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
To see insurance companies that have a full spectrum of discounts in California, click here.
When in doubt talk to an agent
Always remember that when buying coverage, there really isn't a perfect coverage plan. Every situation is different.
Here are some questions about coverages that could help you determine whether you might need professional guidance.
- Which companies will insure high-risk drivers?
- Can my teen drive my company car?
- Should I file a claim if it's only slightly more than my deductible?
- What is UM/UIM insurance?
- Is coverage enough to protect my assets?
- Do I need added coverage for expensive stereo equipment?
- Do they offer discounts for home and auto coverage?
- What does roadside assistance cover?
- Is my babysitter covered when using my vehicle?
- What is covered by UM/UIM coverage?
If you can't answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It's fast, free and may give you better protection.
Local San Jose insurance agencies
A lot of people just prefer to get advice from a local agent and that is a personal choice. Insurance agents can answer important questions and help in the event of a claim. A good thing about comparing rate quotes online is the fact that drivers can get lower auto insurance rates but still work with a licensed agent.
After completing this simple form, your insurance data is transmitted to local insurance agents in San Jose who will give competitive quotes for your coverage. There is no need to drive around since rate quotes are delivered to you instantly. If for some reason you want to compare prices from a particular provider, you can always visit that company's website and fill out their quote form.
Finding a good insurer requires you to look at more than just a cheap price quote. Some important questions to ask are:
- Is the agent CPCU or CIC certified?
- Do they make recommendations based only on price?
- Will they take your side in the event of a claim?
- Do they feel the quoted coverages are adequate?
- How long has their agency been open in San Jose?
- What is their Better Business Bureau rating?
Pick the best auto insurance agent in San Jose for you
If you want to use a local insurance agency, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. San Jose agents can either be exclusive or independent agents depending on their company appointments. Either one can sell and service car insurance coverage, but it is a good idea to know the differences because it may have an impact on which type of agent you select.
Exclusive Insurance Agencies
Exclusive insurance agents have only one company to place business with like American Family, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive insurance agents are well trained on their company's products which helps them compete with independent agents. Consumers sometimes use the same exclusive agent mainly due to the brand name rather than low rates.
Below is a short list of exclusive agents in San Jose that can give you comparison quotes.
- Farmers Insurance - Roger Nguyen
478 E Santa Clara St #216 - San Jose, CA 95112 - (408) 293-7250 - View Map
- Farmers Insurance
1080 Minnesota Ave # 4 - San Jose, CA 95125 - (408) 294-4348 - View Map
- Jim Edington - State Farm Insurance Agent
361 Piercy Rd - San Jose, CA 95138 - (408) 225-2463 - View Map
Independent agencies are not locked into one company and that is an advantage because they can write policies through many different car insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, you will definitely want to compare quotes from several independent agencies to have the most options to choose from. Most also have access to small mutual carriers which may have better rates.
The following is a short list of independent agents in San Jose that are able to give comparison quotes.
- LNA Insurance Agency Inc
999 Story Rd - San Jose, CA 95122 - (408) 280-5815 - View Map
- Donald Browne Insurance Services
330 W Hedding St #207 - San Jose, CA 95110 - (408) 292-4329 - View Map
- All Spectrum Insurance Brokers
4010 Moorpark Ave #117 - San Jose, CA 95117 - (408) 604-0092 - View Map
Cheaper rates are available
Lower-priced car insurance in San Jose is available online and with local San Jose insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not have price quotes online and usually these smaller companies only sell coverage through independent agents.
People leave their current company for many reasons like questionable increases in premium, extreme rates for teen drivers, not issuing a premium refund or an unsatisfactory settlement offer. No matter why you want to switch, switching companies can be easy and end up saving you some money.
As you restructure your insurance plan, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
How to find low-cost Land Rover LR4 insurance in San Jose
The preferred way to find the cheapest price for auto insurance rates is to annually compare prices from insurers who sell auto insurance in San Jose. You can compare prices by following these guidelines.
- Step 1: Try to learn about how companies price auto insurance and the measures you can take to prevent high rates. Many risk factors that drive up the price such as your driving record and a less-than-favorable credit rating can be improved by making lifestyle changes or driving safer.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of companies.
- Step 3: Compare the price quotes to the premium of your current policy and see if you can save money. If you find better rates and change companies, ensure coverage does not lapse between policies.
- Step 4: Provide notification to your current company of your intent to cancel your existing policy and submit payment and a signed application to your new agent or company. Immediately store the certificate verifying coverage with your registration paperwork.
One tip to remember is to make sure you enter the same level of coverage on each quote request and and to get price estimates from every insurance company. This provides a fair rate comparison and a better comparison of the market.
Additional detailed information is located by following these links:
- Safe Vehicles for Teens (iihs.org)
- How Much are Auto Insurance Quotes for College Students in San Jose? (FAQ)
- Who Has Affordable Car Insurance Rates for 4x4 Vehicles in San Jose? (FAQ)
- Who Has the Cheapest Auto Insurance for Teachers in San Jose? (FAQ)
- Who Has Cheap San Jose Car Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has the Cheapest San Jose Auto Insurance Quotes for Single Moms? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- State Laws for Cellphones and Texting (iihs.org)