Locating low-cost insurance for a Land Rover LR3 in California can turn out to be an all-consuming task, but you can learn our car insurance buying tips to save time. There are both good and bad ways to find car insurance online so you're going to learn the absolute fastest way to compare rates for your Land Rover and get the cheapest rates either online or from Los Angeles insurance agents.
It's important to get comparison quotes as often as possible because insurance prices are constantly changing. Just because you had the lowest rates on Land Rover LR3 insurance in Los Angeles a few years ago you may be paying too much now. Ignore everything you know about car insurance because we're going to demonstrate the easiest way to find the best coverage while lowering your premiums.
Buying affordable insurance in Los Angeles is actually quite simple. If you already have coverage or are just looking to switch companies, use these tips to get lower rates while maintaining coverages. You just need to use the most efficient way to get comparison rates online from multiple companies.
Best companies for Land Rover LR3 insurance
The companies in the list below are our best choices to provide comparison quotes in Los Angeles, CA. If several companies are displayed, it's highly recommended you click on several of them to get the most affordable price.
These eight discounts can lower your insurance rates
Not too many consumers would say insurance is affordable, but there could be significant discounts that many people don't even know exist. Certain reductions will be credited when you purchase, but less common discounts must be requested specifically before being credited.
- Lower Rates for Military - Being on active duty in the military could be rewarded with lower premium rates.
- Discount for Multiple Policies - If you insure your home and vehicles with one insurance company they may give you a discount of as much as 10 to 15 percent.
- Discounts for Responsible Drivers - Drivers who avoid accidents could pay up to 40% less than less cautious drivers.
- Paper-free Discount - A few larger online companies will provide an incentive for signing up on their website.
- Federal Employees - Active or retired federal employment may qualify for a discount when you quote Los Angeles auto insurance with select insurance companies.
- College Student - Older children who attend college more than 100 miles from Los Angeles and do not have a car may qualify for this discount.
- More Vehicles More Savings - Buying a policy with multiple cars on a single policy can reduce rates for all insured vehicles.
- Theft Deterrent System - Cars optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, you aren't that lucky.
A few companies who might offer these money-saving discounts include:
If you need lower rates, check with every company which credits you are entitled to. Some discounts listed above may not apply to policies in Los Angeles. To see insurers that offer the discounts shown above in California, follow this link.
Comparing prices from local Los Angeles car insurance agents
Some consumers prefer to buy from a licensed agent and doing so can bring peace of mind Insurance agents are trained risk managers and give you someone to call. The biggest benefit of getting free rate quotes online is that drivers can save money and get the best rates and still choose a local agent.
After filling out this quick form, your coverage information is transmitted to participating agents in Los Angeles who will give competitive quotes for your business. You never need to contact any agents due to the fact that quote results will go directly to you. If for some reason you want to compare prices for a specific company, you would need to jump over to their website and complete a quote there.
Finding the right provider needs to be determined by more than just the quoted price. Get answers to these questions too.
- What insurance companies do they work with in Los Angeles?
- Do they prorate repair cost based on vehicle mileage?
- How much can you save by raising your physical damage deductibles?
- How experienced are they in personal risk management?
- Does the company use OEM repair parts?
- Are they in the agency full-time?
- Can you choose the body shop in case repairs are needed?
- Where are claims handled?
Do you need an independent or exclusive auto insurance agent?
If you want to buy insurance from local Los Angeles agents, you must know there are a couple different types of agencies and how they work. Insurance agents can be described as either exclusive or independent (non-exclusive). Both provide insurance policies, but it's a good idea to understand the subtle differences because it can factor into the type of agent you choose.
Agents that elect to be exclusive are contracted to one company such as AAA, Allstate, and State Farm. They usually cannot place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to use the same exclusive agent primarily because of the brand instead of buying on price only.
Shown below is a short list of exclusive insurance agencies in Los Angeles who may provide you with rate quotes.
- Ted Hope - State Farm Insurance Agent
2049 W Manchester Ave - Los Angeles, CA 90047 - (323) 752-4885 - View Map
- State Farm: Pogos Ichmelyan
750 Colorado Blvd - Los Angeles, CA 90041 - (323) 257-1107 - View Map
- Grace Jun - State Farm Insurance Agent
2426 W 8th St #218 - Los Angeles, CA 90057 - (213) 388-4955 - View Map
Independent Insurance Agents
Agents of this type often have affiliation with several companies so they have the ability to put coverage with any number of different companies and find the cheapest insurance rates. To transfer your coverage to a different company, your agent can switch companies and you stay with the same agent.
If you are comparing rate quotes, you definitely need to check rates from at least one independent agent to maximize your price options. Many can place coverage with additional companies that you may not be familiar with which could offer lower prices.
The following is a short list of independent insurance agents in Los Angeles willing to provide price quote information.
- Crown Reinas Insurance Agency
5331 N Figueroa St - Los Angeles, CA 90042 - (323) 550-1444 - View Map
- Lewis and Lewis Insurance Agency, Inc.
11900 W Olympic Blvd #475 - Los Angeles, CA 90064 - (800) 966-6830 - View Map
- Choice Insurance Agency
1601 S La Brea Ave - Los Angeles, CA 90019 - (323) 933-9888 - View Map
Learn about car insurance coverages for a Land Rover LR3
Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Liability car insurance
Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability can pay for claims such as repair costs for stationary objects, emergency aid and repair bills for other people's vehicles. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy higher limits.
The illustration below demonstrates why minimum state limits may not be enough coverage.
Auto collision coverage
This pays for damage to your LR3 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like backing into a parked car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to increase the deductible on your LR3 to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like rehabilitation expenses, ambulance fees, X-ray expenses and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive auto coverage
This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a deer, vandalism, falling objects and theft. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Smart shoppers get results
Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, policy cancellation or delays in responding to claim requests. It doesn't matter why you want to switch switching auto insurance companies is not as difficult as it may seem.
Some insurance providers don't offer the ability to get quotes online and these smaller companies only sell coverage through independent insurance agents. Affordable Land Rover LR3 insurance in Los Angeles is available online as well as from independent agents in Los Angeles, and you should compare price quotes from both to have the best rate selection.
As you shop your coverage around, don't be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage for the lowest price, but don't skip important coverages to save money.
More information is located on the following sites:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in Los Angeles? (FAQ)
- How Much is Los Angeles Auto Insurance for a Chevrolet Malibu? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda CR-V in Los Angeles? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for First-time Drivers in Los Angeles? (FAQ)
- Learn About Car Insurance (GEICO)
- Where can I buy Insurance? (Insurance Information Institute)