Searching for cheaper insurance rates in Columbus, OH? Columbus shoppers have options when shopping for the best price on Land Rover LR2 insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to make rate comparisons.
There are both good and bad ways to compare insurance rates and we’ll show you the best way to compare rates for a new or used Land Rover and get the lowest price either online or from Columbus insurance agents.
You should take the time to compare rates every six months since insurance prices are usually higher with each renewal. Just because you had the best deal on Land Rover LR2 insurance in Columbus a few years ago you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.
Getting a cheaper price on insurance can be surprisingly simple. All that’s required is to spend a few minutes to get quotes provided by online insurance companies.
The companies shown below are our best choices to provide quotes in Columbus, OH. If multiple companies are listed, it’s a good idea that you get price quotes from several of them to find the most competitive auto insurance rates.
Auto insurance data for a Land Rover LR2
The coverage table displayed next showcases estimates of coverage costs for Land Rover LR2 models. Being aware of how car insurance premiums are determined can help guide drivers when making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|LR2 HSE Luxury||$204||$280||$298||$18||$88||$888||$74|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in your specific Columbus location which can affect rates noticeably.
Should you buy full coverage?
The illustration below compares Land Rover LR2 yearly insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no exact formula to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Land Rover LR2 settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after you pay the deductible. If you are paying more than $300 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few cases where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
You may need specialized car insurance coverage
When quoting and choosing a policy for your personal vehicles, there really is not a “best” method to buy coverage. Your financial needs are unique.
These are some specific questions could help you determine if you may require specific advice.
- Why am I required to buy high-risk coverage?
- Does my policy cover me if I wreck while driving under the influence?
- What if I owe more than I can insure my car for?
- Is rental equipment covered for theft or damage?
- What discounts do I qualify for?
- Am I covered when driving someone else’s vehicle?
- Do I have ACV or replacement cost coverage?
- Do I really need UM/UIM coverage?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Compare rate quotes but still have a local neighborhood Columbus car insurance agent
Some people still prefer to have an agent’s advice and that is OK! Agents can answer important questions and help file insurance claims. A nice benefit of comparing insurance online is you can get the best rates and also buy local. And providing support for local insurance agents is especially important in Columbus.
To help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to insurance agents in Columbus who will give you quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own as quotes are delivered directly to your email. If for some reason you want to get a rate quote from a specific insurance company, don’t hesitate to navigate to their website and fill out their quote form.
Pick the best car insurance agent in Columbus for you
If you want a reliable agent, you need to know there are two types of agencies and how they can service your needs differently. Insurance agencies can either be independent agents or exclusive agents. Both can provide insurance policies, but it’s good to learn the differences since it could factor into which type of agent you select.
Independent Insurance Agents (or Brokers)
Independent insurance agents are appointed with more than one company and that gives them the ability to insure through lots of different companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and you can keep the same agent. When shopping rates, we recommend you get some free quotes from several independent insurance agents to get the most accurate price comparison. Most have the option of insuring with small mutual carriers which may have better rates.
Shown below is a short list of independent agencies in Columbus who can help you get cheap rate quotes.
- W.E. Davis Insurance Agency
29 Frederick St – Columbus, OH 43206 – (614) 443-0533 – View Map
- All Ohio Insurance Agency Inc
180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770 – View Map
- Wolfe Insurance Group
630 E Broad St – Columbus, OH 43215 – (614) 418-5710 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. These agents are not able to give you multiple price quotes so they have to upsell other benefits. These agents are highly trained on their company’s products which helps offset the inability to provide other markets. Consumers frequently use the same agent mainly due to high brand loyalty rather than having the cheapest rates.
Listed below is a list of exclusive insurance agents in Columbus willing to provide price quotes.
- Bill Alsnauer – State Farm Insurance Agent
2500 W Dublin Granville Rd – Columbus, OH 43235 – (614) 764-2411 – View Map
- Ray Cook – State Farm Insurance Agent
7846 Olentangy River Rd – Columbus, OH 43235 – (614) 846-2886 – View Map
- GEICO Insurance Agent
7370 Sawmill Rd Suite 2720 – Columbus, OH 43235 – (614) 336-4240 – View Map
Finding the right insurance agency should depend on more than just the bottom line cost. A good agent in Columbus will have answers to these questions.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they specialize in personal lines auto insurance in Columbus?
- Do they carry Errors and Omissions coverage?
- Is coverage determined by price?
- How experienced are they in personal risk management?
- Is the quote a firm price?
- By raising physical damage deductibles, how much would you save?
- Will the agent or a CSR service your policy?