It’s easy to assume that insurance companies don’t want you to look at other companies. People who compare rates once a year are likely to switch to a new company because they have a good chance of finding a more affordable policy. Surprisingly, a recent survey revealed that people who compared rates annually saved $70 a month as compared to drivers who never shopped around.
If finding budget-friendly insurance in Dallas is your target objective, then knowing how to find companies and compare insurance can save money and time.
If you want to save money, the best way to find more affordable Land Rover LR4 insurance is to do a yearly price comparison from providers that sell auto insurance in Dallas.
First, take a little time to learn about how insurance works and the factors you can control to prevent expensive coverage. Many risk factors that cause high rates like at-fault accidents, speeding tickets, and bad credit can be remedied by making minor driving habit or lifestyle changes.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agents can provide prices from multiple insurance companies. View companies
Third, compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you can save money and switch companies, ensure coverage does not lapse between policies.
One thing to point out is to make sure you enter identical coverage information on every quote and and to look at all possible companies. Doing this provides the most accurate price comparison and a complete rate analysis.
Reducing your Land Rover LR4 insurance rates doesn’t have to be difficult. Just spend a few minutes getting comparison quotes from online providers.
The following companies have been selected to offer quotes in Texas. If several companies are displayed, it’s a good idea that you click on several of them to get the cheapest price.
Why you need insurance for your vehicle
Despite the fact that insurance is not cheap in Dallas, maintaining insurance serves several important purposes.
- The majority of states have minimum liability requirements which means state laws require specific minimum amounts of liability coverage in order to drive the car. 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 LR4 with a loan, almost all lenders will make it mandatory that you buy insurance to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Land Rover at a much higher rate and make you pay for the much more expensive policy.
- Insurance preserves both your assets and your vehicle. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, your insurance policy will cover the repair costs.
The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. Today the average American driver overpays more than $865 each year so you should quote and compare rates at every renewal to save money.
Car insurance analysis for a Land Rover LR4
The table displayed next covers detailed analysis of insurance costs for Land Rover LR4 models. Learning how car insurance prices are determined can be useful when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $286 | $532 | $400 | $24 | $120 | $1,362 | $114 |
| LR4 HSE | $286 | $532 | $400 | $24 | $120 | $1,362 | $114 |
| LR4 HSE Plus | $286 | $602 | $400 | $24 | $120 | $1,432 | $119 |
| LR4 LUX | $312 | $602 | $400 | $24 | $120 | $1,458 | $122 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Dallas garaging location which can impact premium rates greatly.
Physical damage deductibles
When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The comparison tables below may aid in understanding how much more you’ll pay between low and high physical damage deductibles. The first pricing table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $454 | $804 | $382 | $22 | $114 | $1,801 | $150 |
| LR4 HSE | $454 | $804 | $382 | $22 | $114 | $1,801 | $150 |
| LR4 HSE Plus | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| LR4 LUX | $496 | $908 | $382 | $22 | $114 | $1,947 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $252 | $424 | $382 | $22 | $114 | $1,194 | $100 |
| LR4 HSE | $252 | $424 | $382 | $22 | $114 | $1,194 | $100 |
| LR4 HSE Plus | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| LR4 LUX | $276 | $478 | $382 | $22 | $114 | $1,272 | $106 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can raise or lower premium rates significantly.
Using the data above, we can ascertain that using a $100 deductible costs approximately $52 more each month or $624 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 17 months between claim filings, you would probably be better off if you choose the higher deductible.
Tickets and at-fault accidents raise rates
The illustration below demonstrates how speeding tickets and at-fault claims impact Land Rover LR4 insurance costs for each age group. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Companies offer many types of discounts on Land Rover LR4 insurance in Dallas
Some insurers don’t always list all possible discounts very clearly, so the following is a list of both well-publicized in addition to some of the lesser obvious credits available to you.
- Senior Citizen Rates – If you qualify as a senior citizen, you could receive a slight reduction on a Dallas car insurance quote.
- Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums when getting a Dallas car insurance quote.
- Online Discount – A few insurance companies may give you up to $50 for buying a policy and signing up on the web.
- ABS Brakes – Cars that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
- Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their Dallas car insurance quote as compared to drivers with claims.
- Life Insurance Discount – Auto insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.
The example below illustrates the difference between Land Rover LR4 insurance premiums with and without discounts applied to the rates. The costs are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.
The best auto insurance companies and a partial list of their discounts can be read below.
- State Farm offers premium reductions for driver’s education, Drive Safe & Save, multiple autos, safe vehicle, Steer Clear safe driver discount, and accident-free.
- Progressive includes discounts for continuous coverage, good student, multi-policy, homeowner, multi-vehicle, online quote discount, and online signing.
- Travelers may have discounts that include driver training, IntelliDrive, home ownership, save driver, good student, early quote, and multi-policy.
- American Family has savings for good driver, Steer into Savings, defensive driver, early bird, TimeAway discount, good student, and mySafetyValet.
- Liberty Mutual may include discounts for multi-car, newly married, new vehicle discount, new graduate, exclusive group savings, teen driver discount, and good student.
If you need low cost Dallas car insurance quotes, ask each insurance company which discounts you qualify for. Some credits may not be available in Dallas. To see insurance companies with the best discounts in Dallas, click here to view.
Comparing quotes from local Dallas insurance agents
Certain consumers still prefer to talk to an insurance agent. Most agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent.
Upon completion of this quick form, your insurance coverage information is submitted to local insurance agents who will return price quotes for your business. You won’t need to leave your computer as quotes are delivered straight to your inbox. If for some reason you want to get a rate quote from a particular provider, just go to their quote page and give them your coverage information.
Choosing a company needs to be determined by more than just a cheap price quote. These questions are important to ask:
- Are you getting all the discounts the company offers?
- Do they reduce claim amounts on high mileage vehicles?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will they take your side in the event of a claim?
- What is the financial rating for the quoted company?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
When researching an insurance agent, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Dallas can be classified as either exclusive or independent. Either type can provide car insurance policies, but it is important to understand how they differ since it can affect the type of agent you choose.
Exclusive Car Insurance Agents
Exclusive insurance agents generally can only insure with one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive insurance agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates. Some people will only choose to use a exclusive agent mostly because of the prominence of the brand and strong financial ratings.
Shown below are exclusive insurance agencies in Dallas that can give you price quotes.
- Danny Venz – State Farm Insurance Agent
3218 Oak Lawn Ave – Dallas, TX 75219 – (214) 521-1400 – View Map - Mike Baker – State Farm Insurance Agent
3400 Carlisle St Ste 470 – Dallas, TX 75204 – (214) 780-0900 – View Map - Phil Maxey – State Farm Insurance Agent
17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222 – View Map
Independent Car Insurance Agents
These agents do not sell for just one brand and that enables them to quote your coverage with many different companies and find the cheapest rate. If they find a lower price, your agent can just switch to a different company and you stay with the same agent.
If you need cheaper car insurance rates, you will definitely want to contact a few independent agents to have the most options to choose from. They often place coverage with less well-known companies that may have much lower rates than larger companies.
Below are Dallas independent agencies who can help you get comparison quotes.
- La Familia Auto Insurance
8702 Spring Valley Rd – Dallas, TX 75240 – (972) 586-7488 – View Map - Northwest Insurance
11722 Marsh Ln # 345 – Dallas, TX 75229 – (214) 352-5656 – View Map - E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285 – View Map
It’s not one size fits all
When it comes to the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help highlight whether or not you might need professional guidance.
- Is my state a no-fault state?
- When do I need to add a new car to my policy?
- Is there a penalty for late payment?
- When should I remove my kid from my policy?
- Exactly who is provided coverage by my policy?
- How do I file an SR-22 for a DUI in Texas?
- Am I covered if I hit my neighbor’s mailbox?
- Does coverage follow the driver or the vehicle?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.
Don’t give up on affordable rates
Consumers who switch companies do it for many reasons like delays in paying claims, policy cancellation, policy non-renewal or even being labeled a high risk driver. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.
As you quote Dallas car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.
Discount Land Rover LR4 insurance in Dallas is attainable from both online companies and with local Dallas insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not have online rate quotes and most of the time these smaller companies provide coverage only through independent agencies.
More tips and info about insurance is located at these sites:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Dallas Auto Insurance for Drivers with Accidents? (FAQ)
- Who Has Cheap Auto Insurance for 17 Year Olds in Dallas? (FAQ)
- How Much are Dallas Car Insurance Rates for a Toyota Tacoma? (FAQ)
- Who Has Cheap Dallas Auto Insurance Quotes for a Dodge Journey? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Hyundai Sonata in Dallas? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Malibu in Dallas? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Insurance Losses by Make and Model (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)