Would you like to buy more competitive insurance rates in Virginia Beach, VA? Virginia Beach shoppers have many options when shopping for the best price on Land Rover LR4 insurance. You can either waste hours contacting agents to compare prices or utilize the internet to compare rates.
There is a better way to shop for insurance and we’ll show you the quickest way to get price quotes on a Land Rover and obtain the cheapest rates from Virginia Beach insurance agents and online providers.
If you are insured now or are shopping for new coverage, you can use these tips to reduce premiums and still have adequate protection. This article’s goal is to teach you a little about how car insurance companies work and also pocket some savings Vehicle owners only have to learn the most effective way to compare rate quotes using one simple form.
The following companies are our best choices to provide price comparisons in Virginia. If your goal is to find cheap car insurance in Virginia, it’s highly recommended you get price quotes from several of them in order to get a fair rate comparison.
Car insurance discounts help lower rates for Land Rover LR4 insurance in Virginia Beach
Car insurance is not cheap nor is it fun to buy but companies offer discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but some must be manually applied prior to receiving the credit.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more on LR4 insurance in Virginia Beach.
- Home Ownership Discount – Being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
- New Vehicle Savings – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
- Seat Belt Discounts – Requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
- Claim Free – Drivers with accident-free driving histories pay much less when compared to insureds who have frequent claims or accidents.
- Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote Virginia Beach auto insurance with select insurance companies.
- Telematics Discount – People who choose to allow driving data submission to study driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
- Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce the amount you pay for coverage.
The diagram below shows the difference between Land Rover LR4 insurance prices with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, homeowner, and claim-free discounts applied.
Larger car insurance companies and their possible discounts are outlined below.
- GEICO includes discounts for anti-theft, multi-policy, federal employee, good student, membership and employees, multi-vehicle, and emergency military deployment.
- USAA may include discounts for family discount, military installation, annual mileage, loyalty savings, and good student.
- Progressive offers discounts including online quote discount, multi-vehicle, homeowner, online signing, and multi-policy.
- American Family offers discounts for TimeAway discount, multi-vehicle, Steer into Savings, mySafetyValet, early bird, and good driver.
- Esurance discounts include defensive driver, renters, anti-lock brakes, multi-policy, and homeowner.
- Farmers Insurance may have discounts that include multi-car, youthful driver, electronic funds transfer, alternative fuel, distant student, and business and professional.
- State Farm offers premium reductions for Steer Clear safe driver discount, student away at school, anti-theft, passive restraint, and driver’s education.
If you need lower rates, check with every insurance company which discounts you may be entitled to. A few discounts might not be available to policyholders everywhere.
Insurance coverage analysis
The data table displayed below showcases a range of insurance policy prices for Land Rover LR4 models. Knowing how car insurance prices are formulated is important for you to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $340 | $668 | $348 | $20 | $104 | $1,480 | $123 |
| LR4 HSE | $340 | $668 | $348 | $20 | $104 | $1,480 | $123 |
| LR4 HSE Plus | $340 | $756 | $348 | $20 | $104 | $1,568 | $131 |
| LR4 LUX | $372 | $756 | $348 | $20 | $104 | $1,600 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can raise or lower auto insurance rates significantly.
Policy deductible comparison
One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The premium rates below may help to conceptualize the rate difference when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $276 | $454 | $258 | $16 | $78 | $1,107 | $92 |
| LR4 HSE | $276 | $454 | $258 | $16 | $78 | $1,107 | $92 |
| LR4 HSE Plus | $276 | $514 | $258 | $16 | $78 | $1,167 | $97 |
| LR4 LUX | $302 | $514 | $258 | $16 | $78 | $1,193 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $224 | $366 | $258 | $16 | $78 | $942 | $79 |
| LR4 HSE | $224 | $366 | $258 | $16 | $78 | $942 | $79 |
| LR4 HSE Plus | $224 | $414 | $258 | $16 | $78 | $990 | $83 |
| LR4 LUX | $244 | $414 | $258 | $16 | $78 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can raise or lower insurance rates noticeably.
Based on the data above, we can derive that using a $250 deductible costs an average of $14 more each month or $168 a year than quoting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 18 months between claims, you would save money going with the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Car insurance rates are higher with tickets and accidents
The example below shows how violations and accidents can drive up Land Rover LR4 insurance prices for different insured age categories. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
What if I want to buy from local Virginia Beach insurance agencies?
Many people would rather buy from a licensed agent. Good insurance agents can help you build your policy and help you file claims. One of the benefits of comparing insurance prices online is that you can find the lowest rates and still have a local agent. Putting coverage with local agents is still important in Virginia Beach.
By using this form (opens in new window), your insurance data is emailed to local insurance agents in Virginia Beach who will gladly provide quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies since rate quotes are delivered immediately to you. If you wish to quote rates from one company in particular, feel free to find their quoting web page and complete a quote there.
Shown below is a short list of car insurance companies in Virginia Beach that can give you comparison quotes for Land Rover LR4 insurance in Virginia Beach.
- Stephanie Langkil – State Farm Insurance Agent
5441 Virginia Beach Blvd #115 – Virginia Beach, VA 23462 – (757) 499-3411 – View Map - Bordeaux Insurance Agency
4654 Haygood Rd – Virginia Beach, VA 23455 – (757) 460-6220 – View Map - Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map - Larry Akers – State Farm Insurance Agent
928 Diamond Springs Rd Ste 131 – Virginia Beach, VA 23455 – (757) 497-3853 – View Map
Finding a good provider should include more criteria than just a cheap price. Ask your prospective agent these questions:
- Does the company allow you to choose your own collision repair facility?
- Do they specialize in personal lines auto insurance in Virginia Beach?
- What is the agency’s Better Business Bureau rating?
- Are there any discounts that you might be missing?
- How much will you save each year by using a higher deductible?
- How is replacement cost determined on your vehicle?
- Will you work with the agent or an assistant?
- What company do they have the most business with?
Choices You Make Can Impact Your Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine your car insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could help you find better car insurance rates.
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Costs are impacted by vehicle performance – The type of vehicle you are insuring makes a big difference in your auto insurance rates. Smaller low performance passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
The chart below assumes a single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Land Rover LR4 policy rates compared to other models of vehicles that have a range of risk factors.
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Insurance costs and driver gender – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Both genders cause accidents in similar percentages, but the male of the species tend to have higher claims. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are most likely to cause an accident so they pay the highest premiums.
The chart below illustrates the comparison of Land Rover LR4 insurance costs for male and female drivers. The information is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
- Protect yourself with liability insurance – A critical coverage on your policy, liability insurance kicks in if ever you are responsible for damages from an accident. Your policy’s liability insurance provides legal defense starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
- If you don’t need it don’t buy it – Insurance policies have a lot of additional coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, accident forgiveness, and membership fees are some examples. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
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Land Rover LR4 insurance claim data – Car insurance companies analyze claim trends for every vehicle to help determine the price you pay. Models that are shown to have high amounts or severity of claims will be charged more to insure. The table below illustrates the historical insurance loss data for Land Rover LR4 vehicles.
For each coverage type, the claim amount for all vehicles averaged together equals 100. Values that are under 100 indicate a favorable loss history, while percentages above 100 point to more losses or a tendency for losses to be larger than average.
Insurance Loss Ratings for Land Rover LR4 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Land Rover LR4 4dr 4WD 87 105 134 47 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Protect more than your vehicle
Even though it’s not necessarily cheap to insure a Land Rover in Virginia Beach, buying auto insurance is required in Virginia but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Land Rover, it’s guaranteed your bank will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender will be forced to insure your Land Rover at a significantly higher premium and force you to pay a much higher amount than you were paying before.
- Insurance safeguards both your Land Rover LR4 and your personal assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your LR4 are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America overpays as much as $800 each year so compare rates at least once a year to ensure rates are inline.
Cheaper coverage is out there
When you buy Virginia Beach auto insurance online, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed full coverage only to regret at claim time that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Some car insurance companies don’t offer online price quotes and many times these smaller companies sell through local independent agencies. The cheapest Land Rover LR4 insurance in Virginia Beach is available both online in addition to many Virginia Beach insurance agents, and you need to comparison shop both so you have a total pricing picture.
People switch companies for a number of reasons such as lack of trust in their agent, delays in paying claims, policy non-renewal or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right car insurance provider is not as difficult as it may seem.
How to save money on Land Rover LR4 insurance in Virginia Beach
If your goal is the lowest price, then the best way to get low-cost Land Rover LR4 insurance is to compare prices at least once a year from insurers in Virginia Beach. Drivers can shop around by following these guidelines.
- Try to learn about how auto insurance works and the modifications you can make to keep rates down. Many rating criteria that cause rate increases like at-fault accidents and an unacceptable credit history can be rectified by paying attention to minor details.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or State Farm, while independent agencies can provide price quotes for many different companies.
- Compare the new rate quotes to your current policy and determine if cheaper LR4 coverage is available. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
A valuable tip to remember is to compare similar coverage information on each quote request and and to analyze as many carriers as you can. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Additional car insurance information is available below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Auto Insurance for a Toyota Tacoma in Virginia Beach? (FAQ)
- Who Has Affordable Car Insurance Quotes for Young Drivers in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Rates After a Speeding Ticket? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Dodge Ram in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Rates for a Toyota Camry? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Uninsured Motorist Statistics (Insurance Information Institute)