How to Compare Tampa Land Rover Range Rover Insurance

Insurance rates Land Rover Range Rover in TampaThe easiest way to find affordable Land Rover Range Rover insurance in Tampa is to start comparing prices regularly from providers who can sell car insurance in Florida.

First, get a basic knowledge of how companies price auto insurance and the things you can change to prevent expensive coverage. Many factors that drive up the price such as traffic violations, accidents, and a negative credit history can be rectified by paying attention to minor details.

Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices for many different companies. Find a Tampa insurance agent

Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

One thing to point out is to make sure you’re comparing the same liability limits and deductibles on every quote request and to quote with as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.

A recent car insurance study discovered that most car insurance buyers renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared car insurance rates at all. Tampa drivers could pocket nearly 55% a year just by getting comparison quotes, but they just assume it takes a lot of time to shop their coverage around.

Best companies for low-cost Land Rover Range Rover insurance in Florida

The providers in the list below have been selected to offer quotes in Tampa, FL. To find the cheapest car insurance in Florida, we recommend you get rate quotes from several of them to get the best price comparison.

Insurance discounts help lower rates for Land Rover Range Rover insurance in Tampa

Companies offering auto insurance don’t necessarily list every discount they offer very well, so we took the time to find both the well known and also the more inconspicuous discounts you could be receiving when you buy Tampa car insurance online.Discount insurance

Policy discounts save money, but many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

Car insurance companies that have most of these discounts include:

Before you buy a policy, ask every company which discounts you may be entitled to. Discounts might not apply in your state. If you would like to choose from a list of companies with discount insurance rates in Tampa, click here to view.

How do Car Insurance Companies Determine Land Rover Range Rover Insurance Costs?

Lots of factors are considered when you get a price on insurance. Some factors are common sense like your driving record, but other factors are less obvious like your continuous coverage or your commute time.

Premiums drop with age – Teenage drivers in Florida have a tendency to be inattentive when driving with friends therefore insurance rates are much higher. Parents adding a youthful driver to your policy can be very expensive. Mature drivers are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets.

Rates go up with performance – The type of car, truck or SUV you need to insure makes a huge difference in your auto insurance rates. Low performance passenger vehicles generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.

Alarms and GPS tracking lowers prices – Buying a car with advanced anti-theft systems can get you a discount on your insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.

Raise deductibles and save – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Land Rover. A few examples of covered claims are collision with another vehicle, hail damage, and damage from a fallen tree branch. Physical damage deductibles are how much you are willing to pay out-of-pocket if a covered claim is submitted. The more of the claim you have to pay, the better rate you will receive.

Land Rover Range Rover insurance claim data – Companies include the past claim history for a vehicle in order to profitably underwrite each model. Vehicles that tend to have higher losses will have higher rates. The table below illustrates the loss history for Land Rover Range Rover vehicles.

For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Percentage numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.

Auto Insurance Loss Data for Land Rover Range Rover Models
Specific Land Rover Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Land Rover Range Rover Evoque 2dr 4WD 159
Land Rover Range Rover Evoque 4dr 4WD 143 139 127 75 73 120
Land Rover Range Rover 4dr 4WD 169 116 332 34 104
Land Rover Range Rover 4dr LWB 4WD 223 397
Land Rover Range Rover Sport 4dr 4WD 166 103 252 47 46 88

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

Insurance agent or online?

Many people still prefer to have an agent’s advice. One of the great benefits of getting online price quotes is you may find cheaper prices but also keep your business local.

Insurance agency in TampaTo make it easy to find an agent, after completing this quick form, your insurance data is sent to local insurance agents in Tampa that can give you free Tampa car insurance quotes for your business. You won’t need to visit any agencies since price quotes are sent to your email. It’s the lowest rates and an insurance agent to talk to. If you want to get a comparison quote from a specific company, you just need to visit that company’s website and give them your coverage information.

Picking the best provider requires you to look at more than just a cheap price quote. These questions are important to ask:

If you would like to find a reliable insurance agency, it’s important to understand the different types of agents and how they can quote your rates. Auto insurance policy providers are categorized either exclusive agents or independent agents.

Exclusive Auto Insurance Agents

Exclusive agents normally can only provide a single company’s rates and examples are Farmers Insurance or State Farm. They usually cannot compare rates from other companies so they have to upsell other benefits. These agents are well schooled on their company’s products which helps offset the inability to provide other markets.

Below is a short list of exclusive agencies in Tampa who can help you get price quote information.

3816 S Dale Mabry HwyTampa, FL 33611(813) 837-5421View Map

3641 W Kennedy Blvd FTampa, FL 33609(813) 353-0303View Map

2703 W Kennedy BlvdTampa, FL 33609(813) 259-1142View Map

View more Tampa agents

Independent Auto Insurance Agencies

These type of agents are not limited to a single company and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, they simply switch companies in-house and that require little work on your part. When comparing auto insurance prices, we recommend you get some free quotes from at least one independent agent to maximize your price options.

Shown below is a short list of independent agencies in Tampa who can help you get comparison quotes.

4311 W El Prado BlvdTampa, FL 33629(813) 831-8889View Map

3410 Henderson BlvdTampa, FL 33609(813) 347-5555View Map

E J Ferro Insurance Agency
Tampa, FL 33647Tampa, FL 33647(813) 926-1515View Map

View more Tampa agents

How to find a good Florida car insurance company

Insuring your vehicle with a high-quality car insurance provider is hard considering how many different companies sell coverage in Florida. The company ratings in the lists below may help you pick which insurers you want to consider comparing price quotes from.

Top Car Insurance Companies in Tampa
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

One last thing to lower rates

Lower-priced Land Rover Range Rover insurance in Tampa is available both online in addition to many Tampa insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not provide online quoting and these small insurance companies provide coverage only through independent insurance agents.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

More tips and info about auto insurance can be read in the articles below: