Save Money on Land Rover LR2 Insurance in Pittsburgh

It’s shocking but most drivers kept their policy with the same company for at least four years, and nearly 40% of drivers have never shopped around. Pittsburgh drivers could pocket up to 55% a year just by shopping around, but they don’t know the actual amount they would save if they changed companies.

If you want to save the most money, the best way to find affordable Land Rover LR2 insurance is to compare quotes once a year from companies who provide auto insurance in Pittsburgh. Rates can be compared by completing these steps.

Step 1: Try to understand how companies set rates and the measures you can take to prevent high rates. Many rating criteria that cause high rates such as at-fault accidents and a bad credit rating can be rectified by being financially responsible and driving safely. This article provides additional ideas to get low prices and find available discounts that you may qualify for.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agencies can quote prices from multiple insurance companies.

Step 3: Compare the new rate quotes to your current policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is that you’ll want to make sure you compare the same amount of coverage on each quote and and to get rates from as many different companies as possible. Doing this provides a fair price comparison and many rates to choose from.

The auto insurance companies shown below are our best choices to provide free quotes in Pittsburgh, PA. If you want to find cheap car insurance in Pittsburgh, we suggest you get rate quotes from several of them to get a more complete price comparison.

Auto insurance statistics and figures

The premium information shown next covers a range of insurance rates for Land Rover LR2 models. Being able to understand how insurance prices are established can aid in making informed decisions.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in Pittsburgh location which can lower or raise premium rates greatly.

Can higher deductibles save money?

One common question asked by Pittsburgh drivers is how high or low should comp and collision deductibles be. The following insurance rates show the differences in price between high and low comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in specific garaging location which can revise coverage rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost you about $15 more each month or $180 each year than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 17 months between claims, you would come out ahead by going with a higher deductible. The table below shows how you can make this decision for your own policy.

The illustration below illustrates how your choice of deductibles and can influence Land Rover LR2 insurance costs for different categories of driver ages. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.

Liability only or full coverage

The illustration below illustrates the comparison of Land Rover LR2 insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are factored in.

Guidelines for dropping full coverage

There is no specific rule of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Land Rover LR2 claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Three reasons to not skimp on insurance

Despite the potentially high cost of Land Rover LR2 insurance, insuring your vehicle is a good idea for several reasons.

• Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to get the vehicle licensed. In Pennsylvania 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.
• If your Land Rover LR2 has a loan, almost all lenders will have a requirement that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Land Rover at a much higher premium rate and make you pay for the much more expensive policy.
• Insurance protects not only your Land Rover LR2 but also your assets. It will also cover hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $820 a year so smart consumers compare quotes at least once a year to ensure rates are competitive.

You Can Change Your Insurance Rates

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that play a part in calculating the rates you pay for car insurance. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower rates. Many factors are part of the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but other factors are not as apparent like your continuous coverage or how financially stable you are.

Shown below are some of the most rate-impacting factors car insurance companies consider when setting your rate level.

• Policy add-ons add up – Insurance companies have many extra add-on coverages that you can buy if you aren’t careful. Coverages like coverage for rental cars, accidental death, and motor club memberships may be wasting your money. These may sound like a good investment at first, but your needs may have changed so remove them and pocket the money.
• Car insurance liability coverage limits – Liability coverage is the protection in the event that you are found to be at fault for damages from an accident. It will provide legal defense starting from day one. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

• Rates increase with driving citations – Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Having just one citation can boost insurance rates forty percent or more. Drivers with careless violations such as reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state DMV in order to legally drive a vehicle.

  The information below shows how violations and accident claims increase Land Rover LR2 auto insurance rates for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

• Gender and car insurance – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. They both cause auto accidents in similar percentages, but the men tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers generally have the highest accident percentage and therefore have the most expensive car insurance rates.

  The example below shows the comparison of Land Rover LR2 insurance prices for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

• Prevent your car from being stolen – Buying a car with a theft deterrent system can help lower your premiums. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.
• Car and home together may be cheaper – Some companies apply a discount to policyholders that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to make sure you are getting the best deal.There is a chance you can save more without the discount even if you insure with multiple companies
• Be proud to be claim-free – Car insurance companies in Pennsylvania give cheaper rates to drivers who file claims infrequently. If you file a lot of claims you can definitely plan on higher rates. Your car insurance is intended to be relied upon for claims that pose a financial burden.

• Drive a fast car and pay more – The make and model of the vehicle you own makes a huge difference in your rates. The lowest rates are usually found on the lowest performance passenger vehicles, but the cost you end up paying is determined by many additional factors.

  The following data uses these variables: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Land Rover LR2 insurance rates compared to other vehicles that have a range of performance rating factors.

• Land Rover LR2 insurance loss probability – Insurers include the past claim trends for vehicles in order to profitably underwrite each model. Vehicles that the statistics show to have high amounts or severity of claims will cost more for specific coverages. The table below shows the collected loss data for Land Rover LR2 vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage numbers below 100 imply a favorable loss record, while numbers above 100 indicate a higher chance of having a claim or larger claims.

  
  

  Land Rover LR2 Insurance Claim Statistics

  Specific Land Rover Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Land Rover LR2 4dr 4WD	115	162	99

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Ratings for Pittsburgh auto insurance companies

Selecting a high-quality insurance provider is difficult considering how many companies provide coverage in Pennsylvania. The company rank data shown next may help you analyze which insurers you want to consider comparing prices from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

What is YOUR best insurance company?

People change insurance companies for a variety of reasons including policy non-renewal, policy cancellation, delays in paying claims and lack of trust in their agent. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.

Lower-priced insurance in Pittsburgh can be bought from both online companies and with local Pittsburgh insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not provide price quotes online and usually these regional insurance providers only sell coverage through independent insurance agents.

You just learned many tips how you can lower your Land Rover LR2 insurance premium rates in Pittsburgh. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the most savings is with a lesser-known regional company.

More resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• What Car Insurance is Cheapest for Young Drivers in Pittsburgh? (FAQ)
• What Car Insurance is Cheapest for State Employees in Pittsburgh? (FAQ)
• Who Has the Cheapest Car Insurance for Active Military in Pittsburgh? (FAQ)
• How Much is Pittsburgh Auto Insurance for a 20 Year Old Male? (FAQ)
• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Institute)